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IX 
PUBLIC DOCUMENT No. 8. 



ANNUAL REPOET 



OF THE 



COMMISSIONER OF SAYINGS BANKS, 



INCLUDING THE 



ABSTRACTS OF RETURNS 



FROM THE 



SAVINGS INSTITUTIONS IN MASSACHUSETTS. 



» :-)-)» 



> ) 



1 .8 7: 1 . 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 
79 Milk Street (corner op Federal). 

1872. 



•• : » • • 

• ■ » • ••• 

• • • • ■ • 



332.^3 

13 



ANNUAL REPORT 



OF THE 



COMMISSIONEE OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth, 

I have the honor to submit the Sixth Annual Report of the 
Commissioner of Savings Banks, with an abstract of the annual 
returns of the Savings Banks in the Commonwealth, exhibiting 
their condition on Saturday, the 28th day of October last, in 
answer to the requisition of His Excellency the governor. 

Also, statements of the Collateral Loan Company, the Wor- 
cester Safe Deposit and Trust Company and the New England 
Trust Company, severally made to the Commissioner in accord- 
ance with provisions in their charters. 

Twenty Savings Banks have been organized, and commenced 
business during the present year, namely : — 



Amesbury Savings Bank, . 
Ashburnham Savings Bank, 
Benjamin Franklin Savings Bank, 
Braintree Savings Bank, . 
Brookline Savings Bank, . 
Central Savings Bank, 
Merrimack River Savings Bank, 
East Bridgewater Savings Bank, 
Haydenville Savings Bank, 
Hyde Park Savings Bank, 
Hoosac Savings Bank, 



Amesbury. 

Ashburnham. 

Franklin. 

South Braintree. 

Brookline. 

Lowell. 

Lowell. 

East Bridgewater, 

Haydenville. 

Hyde Park. 

North Adams. 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Ipswich Savings Bank, 
Lexington Savings Bank, . 
Marblehead Savings Bank, 
Medway Savings Bank, 
Spencer Savings Bank, 
Stockbridge Savings Bank, 
Templeton Savings Bank, 
Winchester Savings Bank, 
Woronoco Savings Bank, . 

The present number of Savings Banks is one hundred and 
sixty, all of which, excepting those quite recently established, 
have been examined, and an abstract of the result is herewith 
submitted : — 

On the twenty-eighth day of October last, the 
date of the requisition for the annual return 
of these institutions, the amount of deposits 



Ipswich. 

Lexington. 

Marblehead. 

Medway. 

Spencer. 

Stockbridge. 

Templeton. 

Winchester. 

Westfield. 



held by them was 
Surplus, 



Increase of deposits for the year. 

Number of depositors, . 
Increase, .... 
Average to each depositor, . 
Increase of average, 
Amount of deposits received durii 
Average of each deposit, 
Decrease of average, . 
Amount of withdrawals, 
Awrage of each withdrawal, 



g the 



year 



1163,704,077 54 
2,894,043 45 

$166,598,120 99 
27,958,980 00 

561,201 
72,404 

$291 52 

13 81 

58,409,503 79 

92 07 

1 21 

34,888,870 82 

103 22 



The following table shows the location of the deposits by 
counties. It is to be remarked, however, that a large amount 
Of the deposits in Suffolk County is the property of persons 
who reside in other sections of this State and in other States, 
and the latter class of depositors is not an immaterial element 
in the banks of Essex County. 



1872.] 



PUBLIC DOCUMENT— No. 8. 



QOUNTIES. 


OB 

M 

a 
m 
M 


entage of 
ositors to 
ulation. 


entage of 
rease of 
osits. 


o .i 

■*-• m 
O 

a, 

? Xl 


n 




o 


O Ml Ml 
U « O 


ere 
inc 
dep 


vei 

eac 
tor. 


O, 
a) 




y A 


Ph 


Ph 


<i 


A 


Barnstable, . 


6 


25 


22 


1312 81 


$2,583,585 85 


Berkshire, 






7 


15* 


30 


285 08 


2,846,527 32 


Bristol, 






11 


16 £ 


16 i 


366 66 


20,779,825 98 


Essex, . 






22 


39 


19 


284 98 


22,997,891 74 


Franklin, 






3 


30 


19 


322 54 


3,234,163 56 


Hampden, . 






9 


33 


20 


325 15 


8,653,025 39 


Hampshire, 






6 


25 


19 


299 37 


3,369,152 92 


Middlesex, 






30 


28f 


™h 


275 18 


21,802,307 65 


Nantucket, 






1 


37 


12 


322 91 


502,772 32 


Norfolk, 






13 


14 


22 


276 67 


3,656,784 00 


Plymouth, 






10 


29 


12 


270 68 


5,289,721 64 


Suffolk, 






17 


68 


25 


273 76 


50,534,943 26 


Worcester, 






25 


30 


19 


292 64 


17,453,375 91 



The results of the year in the affairs of the banks are highly- 
satisfactory. No losses are reported to affect the safety of any, 
and the increase in business, larger than ever before, shows a 
public appreciation and confidence. 

The present system, in an experience of more than fifty years, 
furnishes abundant reasons for believing it to be, in all its main 
features, well devised to accomplish the object for which it was 
framed. It is not without defects, but they relate to the details 
of management, where so much is necessarily left to the dis- 
cretion and faithfulness of trustees. The duty of these officers, 
who voluntarily assume a position of trust in the interest of 
that which is to a large extent a charitable purpose, is in some 
cases wholly neglected, and in others but partially performed. 
No fact is more clearly established in the history of all classes 
of moneyed institutions than the necessity of frequent and 
thorough examinations of the acts of all accounting officers ; 
and this is of especial importance in institutions where the 
business is transacted by one officer only. 

Reputation for the highest integrity has been found not a 
sure guarantee for honesty in financial matters, and the most 
disastrous cases of defalcation are generally those least antici- 
pated. 

Within the last five years fifty-eight banks have been estab- 
lished, ninety-six million dollars added to the deposits, with an 



6 BANK COMMISSIONER'S REPORT. [Jan. 

increase of 244,348 depositors. Several causes have contributed 
to this result, among which has been the wish, in many places, 
to obtain additional facilities for borrowing money, or some in- 
cidental advantage attending a new bank ; the increased divi- 
dends paid from extraordinary earnings, and, by many banks, 
the practice of dividing all earnings semi-annually ; the exemp- 
tion of deposits from taxes to the depositor ; a general activity 
in all kinds of business, and an unusual competition to secure 
deposits, naturally following so large an addition to the number 
of banks. 

It is not to be presumed that this increase in five years is 
wholly the savings of labor in the State, in that term. During 
the term the Savings Banks have declared over thirty million 
dollars in dividends, half of which, at least, has been added to 
the deposits. Some deposits have been made by charitable 
institutions, many by people of other States, and a great num- 
ber of deposits of the two hundred and forty four thousand new 
depositors are, without doubt, the accumulated savings of a 
whole life of labor, heretofore hoarded or loaned to friends. 

The use of the institutions by those who, from the circum- 
stances of their position, do not require special favors from the 
State, and who ought not to ask or expect to receive the gratui- 
tous services of trustees, is increasing. Such persons in making 
deposits are usually seeking to escape an equal share of taxes 
and the labor and expense of making an investment for them- 
selves. Their use of the banks is the principal cause of the 
demand for a higher tax upon them ; increases the difficulty of 
investing within the present limits ; tends to extend the line of 
investments to business which ought only to be assumed by 
institutions having a pledged capital to protect deposits, and 
introduces elements which, it is feared, will be used to promote 
private interests rather than the public good. This unreliable 
class of deposits, in the absence of additional legislation favor- 
ing them, will seek a more legitimate method of investment as 
the dividends of Bavings banks diminish. The main source of 
unusual profit being nearly exhausted by the appreciation of 
the currency, the average of dividends will soon fall below six 
per cent. ; and it was only by much exertion that the rate was 
l^'pt up to that point last year. 



1872.] PUBLIC DOCUMENT— No. 8. 7 

The .first and principal object to be obtained in the manage- 
ment of Savings Banks is conceded to be a degree of safety not 
furnished by other financial institutions. This being secured, 
incidental public advantages to arise should be considered, and 
they are fully shown by the investments made last year. Of 
twenty-seven million dollars increase, over twenty-one million 
was loaned on mortgages of real estate, the larger part of it at 
seven per cent, interest Many banks have been obliged to 
seek loans, paying a higher rate in order to declare six per 
cent, dividends, and thus compete with those having the bene- 
fit of investments made in more favorable times and who loan 
at seven per cent. 

The danger always existing in an exigency which requires 
investments to be made at rates higher than are paid by those 
of undoubted credit is, that speculative rather than fixed real 
values will be taken as the basis for loans ; and there is reason 
for believing that some banks in making recent mortgage loans 
have been unduly influenced by the rate paid. 

The loan on personal security was increased last year nearly 
five million dollars. With few exceptions this class of bank 
loans is now legally made and decidedly improved. 

With the return of a sound condition in financial affairs our 
Savings Banks will be relieved from the unusual pressure to 
which they have been subjected for several years, and any radi- 
cal change in the system or in the method of investment for 
all legitimate deposits will be found unnecessary. 

The Trust Company in Worcester and the New England 
Trust Company in Boston, both in successful operation, are the 
first of such corporations established in this State. They were 
incorporated after a very careful investigation by the 'legisla- 
ture, with power to hold money in trust, and so restricted in 
making loans and investments as to afford the safety which the 
character of their business requires. A similar institution will 
soon be organized in Northampton, and others are now contem- 
plated. They are well calculated to promote public interests 
by affording to the owners of capital not engaged in business 
many of the advantages secured by our Savings Bank system 
for the savings of labor. 

F. M. STONE. 

December 30, 1871. 



Absteact 



OF 



ANNUAL EXAMINATIONS 



OF THE 



Savings Banks. 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Jenkins Lane, President. 



ABINGTON SAVINGS BANK— ABINGTON. 

[June 20.] 



Treasurer, J. N. Fakrar. 



Deposits, 


$584,327 


60 




Interest, ....... 


26,137 


80 




Public Funds, 






$132,500 00 


Bank Stock, 






35,200 00 


Railroad Bonds, 






57,261 40 


Loans on Public Funds, .... 






9,054 00 


on Bank Stock, .... 






2,540 00 


on Heal Estate, .... 






254,626 66 


"on Personal Security, 






35,696 00 


to Counties, Cities and Towns, 






77,736 12 


to Banks, on interest, 






179 49 


Expense Account, ..... 






2,809 14 


Cash on hand, ...... 






2,862 59 




$610,465 


40 


$610,465 40 


Number of Depositors, 






2,126 


Rate of ordinary dividends for the last year, 


. 




6 per cent. 


Last dividend of reserved profits, in 1868. 














Five vears. 


Largest amount invested in the stock of any one 1 


)ank, 




$7,100 00 








1,500 00 



John S. Poven, President. 



AMESBURY SAVINGS BANK— AMESBURY. 
[October 10.] 



Treasurer, J. L. Pearson. 



Deposits, . 
Interest, 

Due Nat. Bank, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$11,090 16 

161 80 

1,309 31 



,2,561 27 



Number <>f Depositors, . 
Commenced business May 1, 1871. 



£6,500 00 

5,885 37 

35 40 

140 50 



$12,561 27 



101 



1872.] 



PUBLIC DOCUMENT— No. 8. 



11 



EnOs F. Cook, President. 



AMHERST SAVINGS BANK— AMHERST 
[May 23.] 



Treasurer, Samuel C. Carter. 



Deposits, .... 




$213,206 36 




Profits, * 


• • 


3,663 23 




Public Funds, . 


. 




$10,000 00 


Bank Stock, 


. . . 




2,000 00 


Railroad Bonds, 


. . . 




8,500 00 


Loans on Public Funds, . 


. • • 




5,610 00 


on Real Estate, 


... 




106,110 00 


on Personal Security, 


. 




35,904 62 


to Counties, Cities and 


Towns, 




36,000 00 


Expense Account, 


... 




436 20 


Cash on hand, . 






12,308 77 




$216,869 59 


$216,869 59 



Number of Depositors, 1,337 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Average annual expenses, $450 00 



ANDOVER SAVINGS BANK— ANDOVER. 

[September 21.] 
Nathaniel Swift, President. Treasurer, John F. Kimball. 



Deposits, ....... 


$826,776 98 




Profits, ....... 


22,142 31 




Public Funds, . . . . . 




$257,500 00 


Bank Stock, 




97,000 00 


Loans on Public Funds, .... 




10,500 00 


on Real Estate, . . . " . 




154,639 21 


on Personal Security, 




34,185 00 


to Counties, Cities and Towns, 




276,000 00 


to Banks, on interest, 




3,286 46 


Cash on hand, 




15,808 62 


• 


$848,919 29 


$848,919 29 



Number of Depositors, . 2,410 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 1,400 00 



12 



BANK COMMISSIONER'S REPORT. [Jan. 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

, [November 6.] 
Samuel Butterfield, President Treasurer, William Proctor. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$332,396 18 
1,927 37 
2,479 16 



$336,802 71 



$51,000 00 

11,033 50 

263,300 00 

5,400 00 

513 43 

5,555 78 



$336,802 71 



Number of Depositors, 1,403 

Rate of ordinary dividends for the last year, 5^ per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in • Three years. 

Largest amount invested in the stock of any one bank, . . . $5,955 75 

Average annual expenses, 600 00 



Charles C. Bassett, President. 



ATHOL SAVINGS BANK-ATHOL. 
[May 5.] 



Treasurer, Alpheus Harding. 



Deposits, .... 




$363,865 86 




Interest, .... 


... 


711 78 




Public Funds, . 


• . . 




$10,000 00 


Bank Stock, 


• . . 




4,860 00 


Loans on Public Funds, 


... 




11,037 00 


on Bank Stock, 


. • . 




21,800 00 


on Real Estate, 


... 




159,883 40 


on Personal Security, 


... 




66,275 30 


on Railroad Stock, . 


• . . 




17,166 66 


to Counties, Cities and 


Towns, 




61,380 00 


Expense Account, 


... 




389 30 


Cash on hand, . 




. 


11,785 98 




$364,577 64 


$364,577 64 



Number of Depositors, 1578 

Kate of ordinary dividends for the last year, 6 per cent. 

I.a-t dividend of reserved profits, in 1871. 

Extra dividends are made once in . ....... Three years. 

Average annual expenses, $917 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



13 



Henry Eice, President. 



ATTLEBOROUGH SAVINGS BANK— ATTLEBOROUGH. 
[July 18.] 



Treasurer, H. M. Daggett. 



Deposits, . 

Interest, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$131,412 32 
1,933 51 



$133,645 83 



$30,828 00 

2,290 50 

35,950 00 

40,100 00 

24,477 33 



$133,645 83 



Number of Depositors, 469 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends are made. 

Average annual expenses, $100 00 



John Monroe, President 



BARNSTABLE SAVINGS BANK— BARNSTABLE. 
[August 9.] 



Treasurer, Daniel Scudder. 



Deposits, 


$1,182,091 98 




Dividend Account, . 








30,469 64 




Suspense Account, . 








106 35 




Public Funds, . 










$193,000 00 


Bank Stock, 










184,406 56 


Real Estate, 










3,500 00 


Loans on Real Estate, 










568,463 44 


on Personal Security, 








224,074 37 


to Counties, Cities and Towns, 




34,000 00 


Cash on hand, 




5,223 60 










$1,212,667 97 


$1,212,667 97 



Number of Depositors, 3,449 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $22,400 00 

Average annual expenses, 2,000 00 



14 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Charles Brimblecom, President. 



BARRE SAVINGS BANK-BARRE. 
[May 4.] 



Treasurer, Edwin Woods. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Expense Account, 

Cash on hand, . 



$132,825 00 
3,348 30 



$136,173 61 



$3,470 00 

76,320 26 

900 00 

21,750 00 

19,050 00 

13,000 00 

1,130 25 

553 10 



$136,173 61 



Number of Depositors, 582 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . , . $5,090 00 

Average annual expenses, 200 00 



BENJAMIN FRANKLIN SAVINGS BANK— FRANKLIN. 
[November 22.] 



Davis Thayer, Jr., President. 



Treasurer, G. W. Stewart. 



Deposits, ....... 


$26,735 '82 




Interest, .... 






785 94 




Bank Stock, 








$4,220 00 


Loans on Public Funds, . 








225 00 


on Bank Stock, 








1,125 00 


on Ileal Estate, 








14,025 00 


on Personal Security, 








4,650 00 


Expense Account, 








161 61 


Cash on hand, . 








3,115 15 








$27,521 76 


$27,521 76 



Number of Depositors, . 
Commenced Business in April, 1871. 



193 



1872.] 



PUBLIC DOCUMENT— No. 8. 



15 



BERKSHIRE COUNTY SAVINGS BANK— PITTSFIELD. 

[July 14.] 



Julius Rockwell, President. 



Treasurer, Robert W. Adam. 



Deposits, 


$1,412,995 53 




Profits, 


73,294 54 




Public Funds, 




$330,900 00 


Bank Stock, ...... 




98,120 00 


Loans on Public Funds, .... 




17,500 00 


on Bank Stock, .... 




50,500 00 


on Real Estate, .... 




525,837 48 


on Personal Security, 




253,725 09 


to Counties, Cities and Towns, 




154,800 00 


Suspense Account, ..... 




762 81 


Expense Account, ..... 




2,476 14 


Cash on hand, 




51,668 55 




$1,486,290 07 


$1,486,290 07 



Number of Depositors, 4,473 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,000 00 

Average annual expenses, . . 4,500 00 



William Endicott, President. 



BEVERLY SAVINGS BANK— BEVERLY. 

[September 29.] 



Treasurer, R. G. Bennett. 



Deposits, 


$298,699 66 




Interest, 


6,736 60 




Public Funds, . . . 




$5,462 50 


Bank Stock, . 




48,718 86 


Loans on Public Funds, .... 




8,550 00 


on Bank Stock, .... 




7,100 00 


on Real Estate, .... 




188,353 38 


on Personal Security, 




4,750 00 


to Counties, Cities and Towns, 




31,000 00 


Profit and Loss Account, . . 




1,728 16 


Tax Account, ...... 




1,321 61 


Expense Account, 




108 10 


Cash on hand, 




8,343 65 




$305,436 26 


$305,436 26 



Number of Depositors, 1,400 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $6,032 62 

Average annual expenses, 500 00 



16 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON. 

[March 14.] tt 

Paul Adams, President. Treasurer, A. H. Evans. 



Deposits, . 

Profit and Loss, 

Interest, . 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Expense Account, 

Cash on hand, . . . 



$9,312,511 03 

21,376 30 

240,488 51 

00 



5,941 



,580,316 84 



$2,743,500 00 

392,987 50 

140,000 00 

103,340 70 

12,000 00 

7,000 00 

4,983,700 00 

268,000 00 

420,800 00 

205,000 00 

37,574 41 

266,414 23 



$9,580,316 84 



Number of Depositors, 57,102 

Rate of ordinary dividends for the last year, . . . . 5 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $64,900 00 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[March 8.] 
William Eaton, President. Treasurer, Henry R. Reynolds. 



Deposits, . 

Interest, .... 
Public Funds, . . 
Hank Stock, . . , 








$749,108 29 
8,799 41 


$50,000 00 
21,000 00 


Railroad Bonds, 

Real Estate, 

Loans on Public Funds, , 
on Bank Stock, 
on Real Estate, 










10,000 00 

117,954 05 

35,000 00 

40,300 00 

424,579 57 


on Personal Security, 
to Banks, on interest, 

Expense Account, . . 

Cash on hand, . 








39,200 00 

10,860 71 

5,658 51 

3,354 86 










$757,907 70 


$757,907 70 



Vumber of Depositors, 

Bftts of ordinary dividends for the last year, 
dividend of reserved profits, in 1869. 
dividends are made once in . 
Largest amount invested in the stock of any one bank, 
innna] expenses, .... 



7,034 
6 per cent. 

Five years. 
$11,000 00 
5,000 00 



1872/ 



PUBLIC DOCUMENT— No. 8. 



BRAINTREE SAVINGS BANK— BRAINTREE. 
[November 1.] 

Treasurer, C. Harrison Hobart. 



J. A. Hoixingsworth, President. 



Deposits, .00... 

Interest, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, .... 
Cash on hand, ..... 



$6,791 00 




76 65 






$2,700 00 




1,500 00 




51 15 




2,616 50 


$6,867 65 


$6,867 65 



Number of Depositors, . 
Commenced business in April, 1871. 



89 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[May 11.] 



James Dana, President. 



Treasurer. J. L. Ordway. 



Deposits, . 




$107,327 49 




Profits, 


.... 


702 79 




Interest, . 


. • a . 


821 09 




Due National Bank, . 


. . • 


418 00 




Public Funds, . 


. 




$24,935 87 


Bank Stock,* 


.... 




14,471 00 


Loans on Real Estate, 


.... 




56,250 00 


on Personal Security, 




13,200 00 


Expense Account, 


• • • . 




170 17 


Suspense Account, . 




$109,269 37 


242 33 




$109,269 37 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



598 
5 per cent. 

Three years. 

$4,150 25 
550 00 



% 



18 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Joseph Wilbar, President. 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 
[July 21.] 



Treasurer, George B. Atwoob, 



Deposits, • 


$2,029,739 40 




Profits, 


35,370 39 




Interest, 


30,989 29 




Public Funds, ...... 




$402,042 19 


Bank Stock, . . . « . 




47,584 00 


Real Estate, ...... 




5,000 00 


Loans on Public Funds, . . 




13,075 00 


on Bank Stock, .... 




2,000 00 


on Real Estate, .... 




1,121,905 76 


on Personal Security, 




i 460,938 80 


on Railroad Stock, . 




23,000 00 


to Counties, Cities and Towns, 




8,400 00 


Expense Account, ..... 




1,410 65 


Cash on hand, ...... 




10,742 68 




12,096,099 08 


$2,096,099 08 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6,946 
7 per cent. 

$14,477 
5,500 



Stephen T. Farwell, President. 



CAMBRIDGE SAVINGS BANK— CAMBRIDGE. 
[October 13.] 



Treasurer, Eben Snow. 



Deposits, ....... 


$1,134,308 63 




Profits, ....... 


10,422 19 




Public Funds, 




$25,000 00 


Bank Stock, 




37,946 88 


Loans on Public Funds, .... 




1,100 00 


on Bank Stock, 




22,400 00 


on Real Estate, .... 




878,622 21 


on Personal Security, 




84,000 00 


to Counties, Cities and Towns, 




78,814 84 


Expense Account, 




1,985 52 


Cash on hand, 




14,861 37 




$1,144,730 82 


$1,144,730 82 



Number of Depositors, 

of ordinary dividends for the last year, 
Laal dividend of reserved profits, in 1870. 
N't. extra dividends are made. 

t amounl invested in the stock of any one bank, 
Average annual expenses, 



3,514 
6 per cent 



$11,885 88 
2,261 00 



1872.] 



PUBLIC DOCUMENT— No. 8, 



19 



CAMBRIDGEPORT SAVINGS BANK— CAMBRIDGEPORT. 
[October 13.] 



Benjamin Tilton, President. 



Treasurer, Edward Hyde. 



Deposits, .... 


• • • 


$1,129,958 91 




Interest, .... 


• • • 


24,080 49 




Public Funds, . 


• • • 




$94,000 00 


Bank Stock, 


• 




17,095 33 


Loans on Real Estate, 


• • • 




889,265 00 


on Personal Security, 


• • • 




131,200 00 


to Counties, Cities and Towns, 




4,500 00 


to Banks, on interest, 


• • • 




3,235 12 


Expense Account, 


• • • 




12,822 37 


Cash on hand, . 






1,921 58 




11,154,039 40 


$1,154,039 40 



Number of Depositors, 3,610 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $4,075 00 

Average annual expenses, 3,000 00 



CANTON INSTITUTION FOR SAVINGS— CANTON. 
[June 8.] 



Charles H. French, President. 



Treasurer, Francis W. Dean. 



Deposits, . . . . 


$206,018 22 




Profits, 






2,622 26 




Interest, . 




• 


1,489 10 




Public Funds, . 








$45,000 00 


Bank Stock, 








8,900 00 


Loans on Public Funds, . 








2,000 00 


on Bank Stock, 








2,500 00 


on Real Estate, 








82,770 00 


on Personal Security, 






61,480 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, 




5,479 58 








$210,129 58 


$210,129 58 



Number of Depositors, 901 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, $800 00 



20 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Gorham P. Low, President. 



CAPE ANN SAVINGS BANK-GLOUCESTER 
[October 5.] 



Treasurer, A. Presson. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns 

Expense Account, 

Cash on hand, .... 



$669,211 47 
15,982 05 



1685,193 52 



$130,000 00 

94,945 66 

318,814 66 

18,800 00 

111,000 00 

26 00 

11,607 20 



$685,193 52 



Number of Depositors, . . . 2,708 

Rate of ordinary dividends for the last year, . . . v . . 6 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . . $10,698 50 

Average annual expenses, 3,400 00 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 
[August 2.] 



Josiah Hardy, President. 



Treasurer, Obed Brooks. 



Deposits, 


$364,991 44 




Profits, 


4,965 41 




Public Funds, . • . . .♦ 




$13,200 00 


Bank Stock, . . . . . 




21,144 83 


Loans on Real Estate, .... 




92,005 63 


on Personal Security, 




200,101 08 


to Counties, Cities and Towns, 




17,300 00 


Cash on hand, 




26,205 31 




$369,956 85 


$369,956 85 



Number of Depositors, 

>i ' onli nary dividends for the last year, 
int dividends are made. 

t amount invested in the stock of any one bank, 
.'• annual expenses, 



1,984 
6£ per cent. 

$15,055 75 
812 00 






1872.] 



PUBLIC DOCUMENT— No. 8. 



21 



O. H. Moulton, President. 



CENTRAL SAVINGS BANK— LOWELL. 

[November 2.] 



Treasurer, J. N. Peirce, Jr. 



Deposits, . 

Profits, 

Interest, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$175,686 00 

616 00 

1,046 68 



$177,348 68 



$24,249 62 
15,500 00 
90,975 00 
13,500 00 
334 31 
32,775 08 



$177,348 68 



Number of Depositors, . 
Commenced business in April, 1871. 



569 



CHARLESTOWN FIVE CENTS SAYINGS BANK— CHARLESTOWN. 

[November 10.] 



P. J. Stone, President. 



Treasurer, Amos Stone. 



Deposits, * 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



.,816,508 81 
25,261 88 



$1,841,770 69 



$152,850 00 

273,063 25 

18,500 00 

21,200 00 

1,305,689 63 

67,900 00 

2,567 81 



$1,841,770 69 



Number of Depositors, 8,095 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . . . . . . . . Three years. 

Average annual expenses, $2,000 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



John H. Osgood, President 



CHELSEA SAVINGS BANK— CHELSEA 
[September 14.] 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account 
Cash on hand, . 



Treasurer, Samuel Bassett. 



$574,235 76 
4,374 15 
9,746 86 



$588,356 77 



$53,412 50 
44,916 22 

361,375 98 

64,005 00 

2,926 91 

61,720 16 



$588,356 77 



Number of Depositors, . . ' . 4,252 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $9,798 12 

Average annual expenses, . 2,300 00 



Jerome Wells, President 



CHICOPEE SAVINGS BANK-CHIC OPEE. 
[June 29.] 



Treasurer, H. H. Harris. 



Deposits, . 


$339,798 61 




Profits, 








1,999 84 




Bills Payable, . 








2,500 00 




Public Funds, . 










$19,000 00 


Bank Stock, 










8,600 00 


Loans on Public Funds, 










4,000 00 


on Bank Stock, 










600 00 


on Real Estate, 










252,070 00 


on Personal Security, 








50,165 00 


to Counties, Cities and Towns, 




5,000 00 


Cash on hand, 




4,863 45 










$344,298 45 


$344,298 45 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amounl invested in the stock of any one bank, 

Average annual expenses, 



1,126 
6 per cent. 

$5,000 00 
1,200 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



23 



Joseph Osboen, President. 



CITIZENS' SAVINGS BANK— FALL RIVER 

[October 18.] 



Treasurer, E. E. Hathaway. 



Deposits, .... 
Discount and Interest, 
Public Funds, . . . 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



,,711,816 07 
71,115 78 



11,782,931 85 



$163,998 75 

285,891 50 

439,501 00 

883,740 00 

958 30 

8,842 30 



$1,782,931 85 



Number of Depositors, 2,729 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $80,000 00 

Average annual expenses, 3,000 00 



W. R. Whittier, President. 



CITY FIVE CENTS SAVINGS BANK— HAVERHILL. 

[November 8.] 



Treasurer, E. G. Wood. 



Deposits, .... 




$398,871 87 




Interest, .... 


... 


4,283 89 




Bank Stock, 


... 




$15,448 75 


Loans on Public Funds, . 


... 




• 17,900 00 


on Bank Stock, 


. . . 




3,800 00 


on Real Estate, 


• . . 




281,181 06 


on Personal Security, 


... 




54,310 00 


on Railroad Stock, . 


... 




600 00 


to Counties, Cities and Towns, 




9,000 00 


Expense Account, 


... 




2,149 98 


Cash on hand, . 






18,765 97 




$403,155 76 


$403,155 76 



Number of Depositors, 4,739 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $9,075 00 

Average annual expenses, 1,000 00 



24 



BANK COMMISSIONER'S REPORT. 



[Jan, 



Nathan Allen, President. 



CITY INSTITUTION FOE SAVINGS— LOWELL 
[March 24.] 



Deposits, . 

Profits, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Cash on hand, .... 



Treasurer, John A. Buttrick. 



,827,178 11 
131,737 21 



5,958,915 32 



$377,669 00 

479,748 23 

50,000 00 

2,000 00 

34,600 00 

1,100,540 00 

185,258 00 

666,700 00 

50,000 00 

12,400 09 

$2,958,915 32 



Number of Depositors, . 8,035 

Rate of ordinary dividends for the last year, . . . . . 5 per cent- 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Eive years. 

Largest amount invested in the stock of any one bank, . . . $30,420 00 

Average annual expenses, 5,500 00 



Franklin Forbes, President. 



CLINTON SAVINGS BANK-CLINTON. 
[April 19.] 



Treasurer, C. L. S. Hammond. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, 



$375,667 03 
518 65 



$376,185 68 



Number of Depositors, . . . 
Bate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1870. 
:•• annua] expenses, 



$100,000 00 

31,170 13 

11,428 00 

2,250 00 

126,816 00 

81,300 00 

9,000 00 

14,221 55 



$376,185 68 



1,460 
6 per cent. 

$1,000 00 



1872.] 



PUBLIC DOCUMENT--N0. 8. 



25 



Abraham H. Tower, President. 



COHASSET SAVINGS BANK— COHASSET. 

[August 28.] 



Treasurer, L. N. Bates. 



Deposits, ....... 

Profits, 

Public Funds, . , 

Bank Stock, ...... 

Loans on Real Estate, .... 

to Counties, Cities and Towns, 
Cash on band, 


$282,820 01 
9,636 21 


$20,000 00 
44,800 00 

205,150 00 

14,000 00 

8,506 22 




$292,456 22 


$292,456 22 



Number of Depositors, ' 851 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Average annual expenses, 900 00 



Rufus Putnam, President 



DAN VERS SAVINGS BANK— DANVERS 

[November 3.] 



Treasurer, William L. Weston. 



Deposits, . . . . . . 


$686,507 43 




Profits, ... 






3,001 48 




Public Funds, .... 








$122,330 00 


Bank Stock, 








91,925 00 


Loans on Public Funds, 








8,000 00 


on Bank Stocky 








2,985 00 


on Real Estate, 








401,471 68 


on Personal Security, 








49,094 50 


to Banks, on interest, 








10,000 00 


Suspense, .... 








199 71 


Cash on hand, .... 




3,503 02 








$689,508 91 


$689,508 91 



Number of Depositors, 

Rpte of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1870. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



2,396 
7 per cent. 



$20,000 00 
1,300 00 



26 



BANK COMMISSIONER'S REPORT. 



[Jan. 



DEDHAM INSTITUTION FOR SAVINGS— DEDHAM 
[May 10.] 



Thomas Bakrows, President. 



Treasurer, Calvin Guild. 



Deposits, .... 


1811,494 65 




Profits, 


• • • • 


83,915 91 




Public Funds, . 


... 




171,000 00 


Bank Stock, 


... 




35,164 50 


Loans on Public Funds, 


• • • 




2,400 00 


on Bank Stock, 


... 




9,000 00 


on Real Estate, 


. . . 




640,715 00 


on Personal Security, 




83,900 00 


to Counties, Cities and Towns, 




9,400 00 


to Banks, on interest, 




38,623 29 


Suspense Account, ..... 




346 62 


Cash on band, 




4,861 15 






1895,410 56 


$895,410 56 



Number of Depositors, . 3,173 

Rate of ordinary dividends for the last year, 6 per cent 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $12,987 50 

Average annual expenses, . . 2,500 00 



DORCHESTER SAVINGS BANK— DORCHESTER. 
[June 14.] 



Nathaniel F. Safford, President. 



Treasurer, Edward Peirce. 



Deposits, 


1368,086 29 




Profits, 




. 7,806 


67 




Public Funds, .... 








$14,376 00 


Bank Stock, .... 








30,542 75 


Real Estate, .... 








6,000 00 


Loans on Real Estate, 








259,352 18 


on Pergonal Security, 








43,775 00 


to Counties, Cities and Towns, 






2,000 00 


Cash on hand, 






19,847 03 






1375,892 


96 


$375,892 96 



Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in 

ist amount invested in the stock of any one bank, 
Average annual expenses, 



6 per cent. 

Five years. 
$5,492 25 
1,000 00 



1872.] 



PUBLIC DOCUMENT~-No. 8. 



27 



EAST ABINGTON SAVINGS BANK— EAST ABINGTON. 
[September 15.] 



Sumner Shaw, President. 



Treasurer, W. B. Studlbt. 



Deposits, .... 
Profits, .... 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$144,615 70 
23 62 



$144,639 32 



$42,931 85 

2,049 00 

86,896 72 

5,820 00 

283 90 

6,657 85 



$144,639 32 



Number of Depositors, 

Eate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



600 
6 per cent. 

$11,644 25 
300 00 



P. M. Ckane, President. 



EAST BOSTON SAVINGS BANK— BOSTON. 
[March 11.] 



Treasurer, Albert Bowker. 



Deposits, 


$929,974 98 




Profits, . . . 


• . * • 


10,451 20 




Interest, . 


... 


1,523 31 




Dividend Account, . 


. • . 


17,690 38 


i 


Public Funds, . 


■ . • • 


• 


$115,000 00 


Bank Stock, 


... 




60,392 70 


Real Estate, 


> • • • 




8,290 37 


Loans on Public Funds, 


i . . . 




45,901 23 


on Real Estate, 


• . . . 




496,568 78 


on Personal Security, 




201,715 00 


to Counties, Cities and Towns, 




9,850 00 


Expense Account, ..... 




120 98 


Cash on hand, . . . . . 




21,800 81 






$959,639 87 


$959,639 87 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,150 
7£ per cent. 

$20,144 50 
3,550 00 



28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



EAST BRIDGEWATER SAVINGS BANK— EAST BRIDGEWATER. 

[November 1.] 



Henry Hobart, President. 



Deposits, .... 
Interest, .... 
Public Funds, . 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Premium Account, . 
Cash on hand, . 



Treasurer, I. N. Nutter. 



$4,062 06 




35 61 






$455 00 




975 00 




1,550 00 




200 00 




6 33 




911 U 


$4,097 67 


$4,097 67 



Number of Depositors, . 
Commenced business June 1, 1871. 



46 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— EAST CAMBRIDGE. 

[September 12.] 



George Stevens, President. 



Treasurer, John Savage, Jr. 



Deposits, 


$590,386 17 




Profits, ....... 


17,573 82 




Public Funds, ...... 




$98,100 00 


Bank Stock, ...... 




52,662 42 


Loans on Real Estate, .... 




418,775 00 


to Counties, Cities and Towns, 




20,000 00 


Expense Account, . . .t 




2,345 46 


Cash on hand, . . . . 




16,077 11 




$607,959 99 


$607,959 99 



Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1869. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



5 per cent. 

Three years. 

$7,298 20 
650 00 



PUBLIC DOCUMENT— No. 8« 



29 



EASTHAMPTON SAVINGS BANK— EASTHAMPTON. 
Samuel Williston, President. Treasurer, Charles E. Williams. 



Deposits, 


$38,654 70 




Profits, .... 


• • 


112 53 




Bank Stock, .... 


, , 




$7,701 75 


Loans on Bank Stock, 


9 • 




400 00 


on Real Estate, 


. . 




8,450 00 


on Personal Security, 


. 




15,850 00 


Expense Account, 


> . . 




200 25 


Cash on hand, . 


. 




6,165 23 






138,767 23 


$38,767 23 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 



281 

6 per cent. 

Three years. 

$4,581 75 



Henry Bartlett, President. 



ELIOT FIVE CENTS SAVINGS BANK-BOSTON. 
[Feburary 16.] 



Treasurer, George C. Leach. 



Deposits, . 


$581,045 79 




Profits, ....... 


3,007 24 




Interest, ....... 


11,460 65 




Public Funds, ...... 




$56,000 00 


Bank Stock, ...... 




55,400 00 


Railroad Bonds, ..... 




10,000 00 


Loans on Public Funds, . 




24,000 00 


on Bank Stock, . . . 




12,700 00 


on Real Estate, .... 




352,756 67 


on Personal Security, 




70,000 00 


Expense Account, ..... 




1,269 76 


Cash on hand, . . . ... 




13,387 25 




$595,513 68 


$595,513 68 



Number of Depositors, . 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



3,391 
6 per cent. 

Five years. 
$13,000 00 
3,500 00 



30 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Patrick Donohoe, President. 



EMIGRANT SAVINGS BANK— BOSTON. 
[Feburary 9.] 



Number of Depositors, 



Treasurer, Thos. J. Gargan. 



Deposits, .... 




$271,915 31 




Interest, .... 


... 


1,858 63 




Suspense Account, . 


. 


132 05 




Due on Loans, . 


... 


5,050 00 




Public Funds, . 


... 




137,874 67 


Loans on Ileal Estate, 


• • 




185,713 66 


on Personal Security, 


. . . 




1,000 00 


on Railroad Stock, . 


• . • 




55 00 


to Counties, Cities and Towns, 




6,164 50 


Expense Account, 


. . . 




5,102 06 


Cash on hand, . 






43,046 10 




-1278,955 99 


$278,955 99 



1,258 



George D. Cabot, President. 



ESSEX SAVINGS BANK— LAWRENCE. 
[September 20.] 



Treasurer, James H. Eaton. 



Deposits, 


$2,285,118 01 




Profits, 


50,187 65 




Interest, 


30,985 37 




Public Funds, 




$448,000 00 


Bank Stock, 




230,825 00 


Loans on Real Estate, . . . 




1,074,478 13 


on Personal Security, 




409,578 09 


to Counties, Cities and Towns, 




176,000 00 


to Banks, on interest, 




8,707 81 


Expense Account, ..... 




11,734 12 


Cash on hand, . 




6,967 88 




$2,366,291 03 


$2,366,291 03 



Number of Depositors, 7 564 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 3 qqo 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



31 



FAIRHAVEN INSTITUTION FOR SAVINGS-FAIRHAVEN. 

[July 26.] 



I. F. Terry, President. 



Treasurer, Charles Drew. 



Deposits, 


$466,572 71 




Profits, 


22,653 74 




Public Funds, 




$126,800 00 


Bank Stock, ...... 




136,100 00 


Real Estate, 




# 3,500 00 


Loans on Public Funds, .... 




1,535 00 


on Bank Stock, .... 




16,255 25 


on Real Estate, .... 




4,815 68 


on Personal Security, 




127,613 91 


on Railroad Stock, .... 




17,700 00 


to Counties, Cities and Towns, 




47,500 00 


Expense Account, 




359. 01 


Cash on hand, ...... 




7,047 60 




$489,226 45 


$489,226 45 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,040 
7 per cent. 

$30,000 00 
1,350 00 



FALL RIVER FIVE CENTS SAVINGS BANK— FALL RIVER. 

[October 17.] 



S. Angler Chace, President. 



Treasurer, Charles J. Holmes. 



Deposits, . . . . 


$1,210,200 95 




Interest and Discount, 




44,235 77 




Due on investment, . 




10,000 00 




Public Funds, .... 






$250,000 00 


Bank Stock, 






152,300 00 


Railroad Bonds, 






171,661 25 


Loans on Real Estate, 






157,450 00 


on Personal Security, 






520,900 00 


Expense Account, 






1,736 73 


Cash on hand, .... 






10,388 74 






$1,264,436 72 


$1,264,436 72 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . , . . 



5,200 
7 per cent. 

$30,000 00 

2,200 



82 



BANK COMMISSIONER'S REPORT. 



[Jan. 



J. B. French, President. 



FALL EIVER SAVINGS BANK-FALL RIVER 
[October 17.] 



Treasurer, I. F. Lxndsey. 



Deposits, 


$4,943,837 98 




Interest and Discount, 






277,149 61 




Public Funds, . 








$853,000 00 


Bank Stock, 








661,600 00 


Railroad Bonds, 
Real Estate, 








20,000 00 








50,000 00 


Loans on Real Estate, 








999,465 00 


on Personal Security, 








2,445,127 03 


to Counties, Cities and Towns, 




110,000 00 


Cash on hand, ...... 


$5,220,987 59 


81,795 56 


• 






$5,220,987 59 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in tbe stock of any one bank, 

Average annual expenses, 



10,835 
7£ per cent. 

$75,600 00 
6,500 00 



Nathaniel Wood, President 



FITCHBURG SAVINGS BANK— FITCHBURG. 
[April 21.] 



Treasurer, E. Torry. 



Deposits, . 

Interest, . 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, . 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, . 

to Counties, Cities and Towns 
Expense Account, 
Cash on hand, .... 



$1,772,453 93 

85,886 86 

542 13 



.,858,882 92 



N umber of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



$194,000 00 

186,900 00 

2,700 00 

108,729 15 

17,200 00 

6,800 00 

625,851 00 

414,104 66 

12,322 00 

233,200 00 

741 40 

56,334 71 



$1,858,882 92 



5,800 
6 per cent. 

$22,800 00 
3,000 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



33 



Otis Gary, President. 



FOXBOROUGH SAVINGS BANK— FOXBOROUGH. 
[July 25.] 



Treasurer, William H. Thomas. 



Deposits, ....... 


$156,410 56 




Interest, 


1,301 33 




Public Funds, . . . 




$12,300 00 


Bank Stock, 




5,200 00 


Loans on Public Funds, .... 




1,700 00 


on Real Estate, .... 




111,065 00 


on Personal Security, 




10,650 00 


to Counties, Cities and Towns, 




7,325 00 


Cash on band, 




9,471 89 




$157,711 89 


$157,711 89 



Number of Depositors, 697 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . . . . . . . . Five years. 

Average annual expenses, $200 00 



Moses Edgell, President 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 
[November 15.] 



Treasurer, C. S. Adams. 



Deposits, ........ 


$750,124 22 




Interest, .... 


... 


29,440 84 




Bills Payable, . 


... 


8,000 00 




Public Funds, . 


... 




$52,100 00 


Bank Stock, 


• • •• • 




109,000 00 


Railroad Bonds, 


• . • • 




25,000 00 


Loans on Bank Stock, 


■ • • • 




1,420 00 


on Real Estate, 


• • . 




580,917 45 


on Personal Security, 




4,666 00 


to Counties, Cities and Towns, 




4,000 00 


Furniture and Fixtures, .... 




2,000 00 


Expense Account, . . 




1,854 56 


Cash on hand, . . . 




6,607 05 






$787,565 06 


$787,565 06 



Number of Depositors, 2,891 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $18,000 00 

Average annual expenses, 2,500 00 



34 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRANKLIN" SAVINGS BANK-BOSTON. 

[March 16.] 

Osmys Brewstkr, President. Treasurer, H enry White mqre. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, . 
on Bank Stock and Public F 
to Banks, on interest, 

Suspense Account, . 

Expense Account, 

Accrued Interest Account, 

Cash on hand, .... 



unds, 



$3,275,182 77 
29,303 34 
22,629 56 



13,327,115 67 



$545,445 42 

113,503 33 

9,737 50 

6,900 00 

6,200 00 

2,329,395 64 

119,100 00 

225 00 

9,600 00 

142,178 67 

70 00 

657 61 

43,796 11 

306 39 



$3,327,115 67 



Number of Depositors, 8,346 

Rate of ordinary divideuds for the last 3*ear, ...... 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in ";...,. Three years. 

Largest amount invested in the stock of any one bank, . . . $49,417 75 

Average annual expenses, 7,000 00 



FRANKLIN SAYINGS INSTITUTION— GREENFIELD. 

[July 10.] 
Samuel O. Lamb, President. Treasurer, William Henry Allen . 



Deposits, . 




12, 


158,394 47 




Profits, 




• • • 


' 


72,176 50 




Interest, . 




• • • 




69,908 08 




Public Funds, . 




> . • • 






$533,800 00 


Bank Stock, 




> • e • 






58,500 00 


Railroad Bonds, 




» • • • 






15,000 00 


Loans on Public Funds 




» • • • 






68,985 00 


on Bank Stock, 




1 • • • 






56,660 00 


on Lteal Estate, 




• • • . 






677,010 00 


on Personal Security, 






482,665 22 


to Counties, Cities and Towns, 






296,001 88 


to Banks, on interest, 






109,<;69 61 


Casli on hand, . 








2,787 34 




m 


,300,479 05 


$2,300,479 05 


N umber of I depositors, . 


• 




m # 


6,200 


Bate <>t ordinary dividends 


for the last year, 




. . 


6 per cent. 


I, ,-i-i dividend of reserved 


profits, in 18G7. 








Extra dividends are made 


once in . 




. . 


Five years. 


Largest amount invested in the stock of any one I 


>ank, 


. . 


$20,400 00 










3,790 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



Charles Heywood, President. 



GARDNER SAVINGS BANK— GARDNER. 
[May 18.] 



Treasurer, John D. Edgell. 



Deposits, . 




$237,526 97 




Due Gardner Nat Bank, . 


• • • 


740 07 




Public Funds, , 


. . 




$11,770 25 


Bank Stock, . . . 


• • • 




1,584 00 


Loans on Bank Stock, 


• • • 




4,800 00 


on Real Estate, 


• . • 


. 


131,310 00 


on Personal Security, 


• . • 




19,223 38 


to Counties, Cities and Towns, 




68,096 95 


Interest Account, 


• • • 




415 81 


Expense Account, 


• • • 




1,066 65 




$238,267 04 


$238,267 04 



Number of Depositors, 923 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

No extra dividends are made. 

Average annual expenses, $220 00 



J. P. Jones, President. 



GEORGETOWN SAVINGS BANK-GEORGETOWN. 

[November 3.] 



Treasurer, W. H. Hakiuman. 



Deposits, 


$32,533 07 




Interest, . . . . 




1,268 45 




Due Treasurer, . 




233 19 




Public Funds, . 






$1,807 50 


Loans on Public Funds, 






800 00 


on Ileal Estate, 






21,930 00 


on Personal Security, 






7,950 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, ..... 




547 21 






$34,034 71 


$31,034 71 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends are made. 



217 
6" per cent. 



36 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Abram M. Bigelow, President 



GRAFTON SAVINGS BANK— GRAFTON. 
[October 26.] 



Deposits, .... 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



Treasurer, Henry F. Wing. 



$75,378 23 
2,692 47 



$78,070 70 



20,913 24 

9,000 00 

35,600 00 

10,150 00 

861 79 

1,545 67 



$78,070 70 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 



360 
6 per cent. 

$4,814 00 



John Sanderson, President 



GREENFIELD SAVINGS BANK— GREENFIELD. 
[July 11.] 



Treasurer, R. A. Packard. 



Deposits, .... 


• . . 


$478,753 47 




Profits, .... 


... 


1,242 60 




Public Funds, . 


... 




$12,400 90 


Bank Stock, . . . 


. • . 




99,260 78 


Railroad Bonds, 


... 




20,000 00 


Loans on Public Funds, . 


• • • 




5,934 90 


on Bank Stock, 


. . 




14,050 00 


on Real Estate, 


• • • 




152,445 00 


on Personal Security, 


... 




120,467 00 


to Counties, Cities and Towns, 




44,125 00 


Expense Account, 


... 




1,655 32 


Cash on hand, . 


• 




9,657 17 




$479,996 07 


$479,996 07 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,271 
6 per cent. 

$25,930 40 
800 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



3T 



GREAT BARRINGTON SAVINGS BANK— GREAT BARRINGTON. 

[July 13.] 



Egbert Hollister, President. 



Treasurer, William H. Parks. 



Deposits, .... 




$223,746 03 




Interest, .... 


. . • 


4,921 


37 




Bills Payable, . 


... 


5,000 


00 




Public Funds, . . . 


... 






$11,898 00 


Loans on Public Funds, . 


... 






3,175 00 


on Real Estate, 


... 


v 




140,464 07 


on Personal Security, 


. 






53,551 85 


on Railroad Stock, . 


... 






1,800 00 


to Counties, Cities and Towns, 






5,000 00 


Expense Account, 


. • 






626 42 


Cash on hand, . 




i 




17,152 06 




$233,667 40 


$233,667 40 



Number of Depositors, 1,075 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in . Five years. 

Average annual expenses, 



Charles Stickney, President. 



GROVELAND SAVINGS BANK— GROVELAND. 
[November 9.] 



Treasurer, N. H. Griffith. 



Deposits, 

Profits, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, . . . . 
Cash on hand, 



$10,600 87 
35 85 



$10,636 72 



^8,700 00 

1,100 00 

30 10 

806 62 



$10,636 72 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends are made. 



84 
6 per cent. 



38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ELiniALF.T Trask, President. 



HAMPDEN SAVINGS BANK-SPRINGFIELD. 
[June 29.] 



Treasurer, P. S. Bailey. 



Deposits, 


11,004,384 81 




Profits, 








6,489 06 




Interest, . 








6,024 36 




Public Funds, . 










$41,000 00 


Bank Stock, 










135,315 00 


Railroad Bonds, 










5,000 00 


Loans on Public Funds, 










13 408 00 


on Bank Stock, 










27,700 00 


on Real Estate, 










672,745 00 


on Personal Security, 








106,635 00 


to Counties, Cities and Towns, 






9,000 00 


Expense Account, . 






4,335 92 


Cash on hand, ..... 






1,759 31 










$1,016,898 23 


$1,016,898 23 



Number of Depositors, 2,455 

Rate of ordinary dividends for the last year, . . .'•' . . 6 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $29,144 00 

Average annual expenses, 3,000 00 



James C. Arms, President. 



HAMPSHIRE SAVINGS BANK— NORTHAMPTON 
[May 24.] 



Treasurer, Lewis "Warner. 



Deposits, 


$178,186 99 




Profits, . . . 






459 13 




Public Funds, . 








$1,830 00 


Bank Stock, .... 








33,233 25 


Loans on Public Funds, . 








14,100 00 


on Bank Stock, 








33,500 00 


on Real Estate, 


• 






71,150 00 


on Personal Security, 








11,900 00 


to Counties, Cities and Towns, 




1,500 00 


Cash on hand, 




11,432 87 








$178,646 12 


$178,646 12 



Number of Depositors, . • • 680 

Rate of ordinary dividends for the last year, 6 per cent. " 

EKtra dividends are made once in . . . . . . . Three years. 

Largest amount invested in the stock of any one bank, . . . $5,980 00 

Average annual expenses, 450 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



39 



John A. Appleton, President. 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[November 8.] 



Treasurer, A. B. Jaques. 



Deposits, 


12,259,940 85 




Profits, 


14,939 96 




Interest, 


1,828 81 




Public Funds, . 




$451,300 00 


Bank Stock, ...... 




354,450 00 


Railroad Bonds, 




56,000 00 


Loans on Public Funds, .... 




21,029 00 


on Bank Stock, .... 




7,200 00 


on Real Estate, .... 




966,375 00 


on Personal Security, 




41,000 00 


on Railroad Stock, .... 




3,000 00 


to Counties, Cities and Towns, 




335,600 00 


Expense Account, ..... 




4,369 74 


Cash on hand, . . . 




36,385 88 




$2,276,709 62 


$2,276,709 62 



Number of Depositors, . . 7,174 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $26,700 00 

Average annual expenses, 3,100 00 



Joel Hayden, President 



HAYDENVILLE SAVINGS BANK— HAYDENVILLE. 
[May 25.] 



Treasurer, B. S. Johnson. 



Deposits, . . . . ... 


$36,914 98 




Interest, . ..... 


298 38 




Loans on Real Estate, . . . 




$22,600 00 


on Personal Security, 




5,700 00 


to Counties, Cities and Towns, 




3,000 00 


Expense Account, ..... 




111 65 


Cash on hand, . • . . . 




5,801 71 




$37,213 36 


$37,213 36 



Number of Depositors, . 
Commenced business January 2, 1871. 



179 



40 



BANK COMMISSIONER'S REPORT. 



[Jan. 



HINGHAM INSTITUTION FOR SAVINGS— HINGHAM. 
[August 29.] 



Isaac Baknes, President. 



Treasurer, Henry C. Harding. 



Deposits, . . 


$1,191,315 52 




Public Funds, ...... 




$247,800 00 


Bank Stock, ...... 




141,600 00 


Real Estate, ...... 




1,921 03 


Loans on Public Funds, .... 




2,525 00 


on Bank Stock, .... 




5,520 00 


on Real Estate, .... 




721,537 00 


on Personal Security, 




21,290 00 


to Counties, Cities and Towns, 




18,550 00 


Profit and Loss, ..... 




11,913 97 


Expense Account, ..... 




1,038 03 


Cash on hand, 




17,620 49 




$1,191,315 52 


$1,191,315 52 



Number of Depositors, 3,417 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, . . . . . . . . - . 1,950 00 



Joel Russell, President 



HOLYOKE SAVINGS BANK— HOLYOKE. 
[June 28.] 



Treasurer, R. B. Johnson. 



Deposits, 


$546,147 60 




Interest, ....... 


10,627 89 




Bank Stock, ...... 




$42,573 50 


Furniture and fixtures, . 




3,060 65 


Loans on Public Funds, .... 




3,250 00 


On Real Estate, . . . 




359,825 00 


on Personal Security, 




100,076 00 


to Counties, Cities and Towns, 




28,000 00 


Expense Account, ..... 




224 77 


Cash on hand, 




19,765 57 




$556,775 49 


$556,775 49 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,908 
6^ per cent. 

$7,275 00 
1,500 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



41 



HOME SAVINGS BANK— BOSTON". 
[September 13.] 



Henry Smith, President. 



Treasurer, Edward 0. Rockwood. 



Deposits, . . . . 


$3,333,286 34 




Interest, . 


. , 




75,050 19 




Suspense Account, . 


. « 




178 80 




Public Funds, . 


» . < 






$56,238 17 


Bank Stock, 


> . < 






168,210 49 


Loans on Public Funds, 


» . 






23,400 00 


on Bank Stock, 


i . < 






64,700 00 


on Keal Estate, 


, . 






2,177,092 00 


on Personal Security, 






235,070 00 


on Railroad Stock, . 






15,000 00 


to Counties, Cities and Towns 


, • . 




515,000 00 


to Banks, on interest, 






103,307 63 


Profit and Loss Account, . 






39,173 35 


Expense Account, . . 






3,823 44 


Furniture and Fixtures, . 






4,966 93 


Cash on hand, .... 






2,533 32 








$3,408,515 33 


$3,408,515 33 



Number of Depositors, 11,188 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $20,449 00 

Average annual expenses, 6,500 00 



Sylvander Johnson, President 



HOOSAC SAVINGS BANK— NORTH ADAMS. 
[July 12.] 



Treasurer, Austin Bond. 



Bank Stock, ........ 

Loans on Real Estate, .... 

on Personal Security, ... 
Cash on hand, 


$24,692 34 


$3,125 00 

12,300 00 

5,000 00 

4,267 34 




$24,692 34 


$24,692 34 



Number of Depositors, . 
Commenced business June 1, 1871. 



193 



6 



42 



BANK COMMISSIONER'S REPORT. 



[Jan. 



L. H. Bowker, President. 



HOPKINTON SAVINGS BANK— HOPKINTON. 
[May 19.] 



Treasufer, R. F. Claflin. 



Deposits, . 

Interest, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Expense Account, . 
Cash on hand, 



175,605 32 
3,498 82 



$79,104 14 



$3,969 14 
26,392 74 

960 00 
17,985 00 
12,900 00 
15,000 00 

461 26 
1,436 00 



579,104 14 



Number of Depositors, 537 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $3,660 00 

Average annual expenses, 500 00 



Francis Brigham, President 



HUDSON SAVINGS BANK— HUDSON. 
[April 18.] 



Treasurer, F. D. Brigham. 



Deposits, ...... 


$70,254 93 




Profits, . . 


767 89 




Loans on Real Estate, . . . 




51,470 00 


on Personal Security, 




3,750 00 


to Counties, Cities and Towns, 




13,0C0 00 


Furniture and Fixtures, .... 




407 68 


Expense Account, ..... 




567 08 


Cash on hand, ...... 




1,828 06 




$71,022 82 


$71,022 82 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
Average annual expenses, . 



400 
6 per cent. 

$350 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



43 



F. G. K hi ley, President. 



HYANNIS SAVINGS BANK— HYANNIS. 

[August 10.] 



Treasurer, Joseph R. Hall. 



Deposits, 


$235,208 31 




Profits, .... 






119 50 




Dividend Account, . 






11,319 42 




Bank Stock, . 








$45,632 50 


Railroad Bonds, 








10,000 00 


Railroad Stock, 








10,965 00 


Loans on Real Estate, 








36,610 75 


on Personal Security, 








128,187 22 


Interest Accrued, 








792 44 


Cash on hand, . 








14,489 32 








.$246,677 23 


$246,677 23 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



867 
7 per cent. 



18,785 00 
1,100 00 



HYDE PARK SAVINGS BANK— HYDE PARK. 

[November 21.] 
Charles F. Gerry, President. Treasurer, Henry S. Bunton. 



Deposits, . . .... 


$12,254 29 




Interest, ....... 


125 97 




Bank Stock, 




$716 50 


Furniture and Fixtures, .... 




1,144 17 


Loans on Real Estate, .... 




5,800 00 


to Counties, Cities and Towns, 




4,000 00 


Cash on hand, 




719 59 




$12,380 26 


$12,380 26 



Number of Depositors, . 
Commenced business in June, 1871. 



144 



44 



BANK COMMISSIONER'S REPORT. 



[Jan. 



INSTITUTION FOR SAVINGS IN NEWTON— NEWTON 

[May 9.] 



George Hyde, President. 



Treasurer, E. J. Collins. 



Deposits, • 


$180,919 15 




Profits, 


5,529 22 




Public Funds, 




$9,500 00 


Bank Stock, . . . . . . 




7,200 00 


Loans on Public Funds, .... 




2,000 00 


on Real Estate, .... 




119,120 00 


on Personal Security, 




19,700 00 


to Counties, Cities and Towns, 




3,125 00 


Expense Account, 




192 39 


Cash on hand, ...... 




25,605 98 




$186,448 37 


$186,448 37 



Number of Depositors, 1,055 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1889. 

Extra dividends are made once in . Five years. 

Average annual expenses, $400 00 



INSTITUTION FOR SAVINGS IN NEWBURYPORT. 

[October 6.] 



Edward S. Morley, President. 



Treasurer, Richard Stone. 



Deposits, ....... 


$3,428,084 36 


p 


Interest, .... 


. . 




88,810 18 




Public Funds, . 


. , 






$825,918 75 


Bank Stock, 


• . ■ 






956,946 20 


Railroad Bonds, 


, . , 






105,590 00 


Real Estate, 


> . a 






20,954 29 


Loans on Public Funds, 


■ . i 






6,850 00 


on Bank Stock, 


> . ■ 






4,500 00 


on Real Estate, 


, . 






640,822 67 


on Personal Security, 






176,689 00 


to Counties, Cities and Towns 






632,461 41 


to Banks, on interest, 






107,075 72 


Annuity in Trust, 






10,792 70 


Expense Account, 






2,486 52 


Fifty Associates' Stock, 






25,000 00 


Cash on hand, .... 






807 28 








$3,516,894 54 


$3,516,894 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



8,982 
7 per cent. 

$77,250 00 
5,600 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



45 



INSTITUTION FOR SAVINGS IN ROXBURY-BOSTON. 
[March 18.] 



A. D. Hodges, President. 



Treasurer, Edward Richards. 



Deposits, 


$1,665,482 11 




Interest, .... 






27,822 10 




Public Funds, .... 








$357,363 65 


Bank Stock, .... 








177,496 97 


Loans on Public Funds, . 








93,250 00 


on Bank Stock, 








22,650 00 


on Real Estate, 








488,352 17 


on Personal Security, 


• . 




473,480 00 


to Counties, Cities and Towns, 




33,900 00 


Cash on hand, 




46,811 42 








$1,693,304 21 


$1,693,304 21 



Number of Depositors, . 5,313 

Rate of ordinary dividends for the last year, 5£ per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in ....... Five years. 

Largest amount invested in the stock of any one bank, . . . $31,494 00 

Average annual expenses, 5,500 00 



IPSWICH SAVINGS BANK-IPSWICH. 
[October 10.] 



Joseph Ross, President. 



Treasurer, Theodore F. Cogswell. 



Deposits, . . . . . . 

Interest, ....... 

Loans on Real Estate, .... 

on Personal Security, 
Cash on hand, 


$5,719 00 
52 60 


$1,050 00 
4,450 00 
1,321 60 




$5,771 60 


$5,771 60 


Commenced business May 8, 1871. 




68 



46 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Henry Wilder, President. 



LANCASTER SAVINGS BANK-LANCASTER 
[April 19.] 



Deposits, . 

Profits, 

Interest, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



Treasurer, C. T. Symmes. 



$673,148 29 

13,878 48 

4,118 58 



1,145 35 



1265,000 00 

61,300 00 

10,000 00 

1,100 00 

8,000 00 

232,939 11 

87,772 25 

25,033 99 



$691,145 35 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . . ...... 



2,057 
7 per cent. 

$15,000 00 
2,029 00 



Milton Bonney, President. 



LAWRENCE SAVINGS BANK— LAWRENCE. 

[September 21.] 



Treasurer, W. R. Spaulding. 



Deposits, ....... 


$255,549 99 




Interest, .... 








. 3,816 37 




Public Funds, .... 










$9,100 00 


Bank Stock, 










33,175 00 


Loans on Real Estate, 










181,849 25 


on Personal Security, 










15,375 00 


Premium Account, . 










5,484 85 


Expense Account, 










2,575 47 


Cash on hand, . 










11,806 79 










$259,360 36 


$259,366 36 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,355 
6 per cent. 

$5,000 00 
1,000 00 



1872." 



PUBLIC DOCUMENT— No. 8. 



47 



H. Garfield, President. 



LEE SAVINGS BANK— LEE. 
[July 13.] 



Treasurer, J. L. Kilboen. 



Deposits, . . . 


$330,815 17 




Interest, ....... 


8,734 19 




Suspense Account, ..... 


4,868 23 




Public Funds, . 




$101,000 00 


Bank Stock, ...... 




15,380 CO 


Loans on Public Funds, . . . 




372 30 


on Rank Stock, . . 




960 00 


on Real Estate, .... 




163,908 11 


on Personal Security, 




20,880 CO 


to Counties, Cities and Towns, 




27,200 CO 


Profit and Loss Account, .... 




6,090 13 


Expense Account, ..... 




150 CO 


Cash on hand, . . . . 




5,477 05 




$344,417 59 


$344,417 59 



Number of Depositors, . . 1,214 

Rate of ordinary dividends for the last 3*ear, . . . . 6 per cent- 
Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five 3 T ears. 

Largest amount invested in the stock of any one bank, . . . $6,400 00 

Average annual expenses, 950 00 



Cheney Hatch, President 



LEICESTER SAVINGS BANK— LEICESTER 
[May 16.] 



Treasurer, D. E. Mekktam. 



Deposits, . . . 

Profits, 

Interest, . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$111,968 60 

50 00 

1,771 88 



$113,790 48 



$29,777 62 

2,500 CO 

64,196 CO 

14,469 75 

2,847 11 

$113,790 48 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



318 
7 per cent. 



1,106 40 
345 00 



43 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Leotard Burrage, President. 



LEOMINSTER SAVINGS BANK— LEOMINSTER. 
[April 26.] 



Treasurer, A. L. Burditt. 



Deposits, . 

Profits, 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Furniture, 

Cash on hand, . 



$231,309 46 
164 67 



$231,474 13 



$19,870 25 

9,800 00 

8,000 00 

154,360 00 

37,275 00 

635 15 

1,533 73 



$231,474 13 



Number of Depositors, 1,115 

Rate of ordinary dividends for the last year, ..... 6 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, ... $7,724 00 

Average annual expenses, . 600 00 



Horatio Wood, President 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 
[March 23.] 



Treasurer, A. S. Tyler. 



Deposits, .... 


... 


$2,119,762 43 




Profits, .... 


... 


17,942 95 




Profit and Loss, 


. . • 


400 00 




Premium Account, . 


... 


5,000 00 




Due Prescott National Bank, 


• • . 


1 2,741 27 




Public Funds, . 


... 




$296,500 00 


Bank Stock, 


... 




263,282 00 


Railroad Bonds, 


... 




2,000 00 


Loans on Public Funds, . 


. . . 




3,400 00 


on Bank Stock, 


• • . 




19,700 00 


on Real Estate, 


. . . 




1,155,600 00 


on Personal Security, 


... 




162,300 00 


to Counties, Cities and Towns, 




218,000 00 


to Banks, on interest, 






25,000 00 


Expense Account, . 






64 65 




$2,145,846 65 


$2,115,846 65 



Number of Depositors, 8 867 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Three vears. 

Largest amount invested in the stock of any one bank, . . . $22,500 00 

Average annual expenses, . , 4 250 



1872.] 



PUBLIC DOCUMENT— No. 8. 



49 



LOWELL INSTITUTION FOR SAVINGS-LOWELL. 
[March 23.] 



Theodore Edson, President. 



Treasurer, George J. Carney. 



Deposits, .... 




11,613,788 50 




Public Funds, . 


... 




1811,000 00 


Bank Stock, 


. e . 




6,300 00 


Real Estate, . 


... 




20,334 06 


Loans on Public Funds, . 


... 




25,400 00 


on Bank Stock, 


... 




26,000 00 


on Real Estate, 


... 




76,578 00 


to Counties, Cities and Towns, 




432,975 00 


to Banks, on interest, 


• . • 




211,000 00 


Profit and Loss Account, . 


... 




3,537 08 


Cash on hand, . 


... 




664 36 




$1,613,788 50 


$1,613,788 50 



Number of Depositors, 5,190 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . . . . . . . . Five years. 

Average annual expenses, $4,000 00 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[September 22.] 

Thomas B. Newhall President. Treasurer, B. V. French. 



Deposits, . . . . . . . 


11,180,229 02 




Profits, . 


> . . . 


6,479 59 




Public Funds, . 


... 




$207,231 25 


Bank Stock, 


■ • • • 




325,311 05 


Railroad Bonds, 


i . . . 




19,450 00 


Real Estate, ... 


... 




44,529 24 


Loans on Bank Stock, 


> . . • 




6,750 00 


on Real Estate, 


. . . 




532,960 00 


on Personal Security, 




17,301 96 


to Counties, Cities and Towns, 




19,000 00 


to Banks, on interest, 




8,071 14 


Expense Account, 




3,742 49 


Cash on hand, 




2,361 48 






$1,186,708 61 


•11,186,708 61 



Number of Depositors, 6,943 

Rate of ordinary dividends for the last year, 6^ per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $39,764 62 

Average annual expenses, 2,900 00 



50 



BANK COMMISSIONER'S REPORT. 



[Jan, 



LYNN INSTITUTION FOR SAYINGS-LYNN. 

[September 22.] 

Joseph N. Sanderson, President. Treasurer, E. Love joy. 



Deposits, .... 


11,282,391 43 




Profits, .... 


. . • 


1,055 40 




Public Funds, . 


> > • 




$95,000 00 


Bank Stock, 


i . . . 




92,440 00 


Real Estate, 


> . • • 




65,259 65 


Loans on Public Funds, 


> . . • 




8,290 00 


on Bank Stock, 


> . . . 




15,250 00 


on Real Estate, 


» . • • 




677,498 00 


on Personal Security, 




103,540 00 


to Counties, Cities and Towns, 




161,500 00 


to Banks, on interest, 




55,200 00 


Expense Account, . 




881 65 


Casb on hand, . . . ' . 




8,587 53 






$1,283,446 83 


$1,283,446 83 



Number of Depositors, 

Eate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4,388 
6 per cent 

$22,700 00 
3,000 00 



MALDEN SAYINGS BANK— MALDEN. 
[September 19.] 



Henry Barrett, President. 



Treasurer. Charles Merrill. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$159,388 97 
2,215 37 



$161,604 34 



$30,000 00 

2,600 00 

106,000 00 

20,000 00 

762 15 

2,242 19 



$161,604 34 



Number of Depositors, 1,830 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, * . . $600 00 



1872.] 



PUBLIC DOCUMENT-^o. 8. 



51 



MARBLEHEA.D SAVINGS BANK— MAEBLEHEAD. 
[October 11.] 



John F. Harris, President. 



Treasurer, William Gilley, Jr. 



Deposits, 


$15,234 00 




Interest, 


167 52 




Public Funds, 




$4,590 00 


Loans on Real Estate, .... 




4,750 00 


to Counties, Cities and Towns, 




3,047 00 


to Banks, on interest, 




2,683 30 


Furniture and Safe, . 




175 00 


Expense Account, . 




131 22 


Cash on hand, 




25 00 


* 


$15,401 52 


$15,401 52 



Number of Depositors, . 
Commenced business June 15, 1871. 



193 



Sidney G. Fay, President. 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 
[April 18.] 



Treasurer, E, C. Whitney. 



Deposits, .... 
Profits, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, . 



$522,218 45 
710 42 



$522,928 87 



$119,100 00 

368,500 00 

5,500 00 

10,000 00 

19,828 87 



$522,928 87 



Number of Depositors, 1,333 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Average annual expenses, $1,200 00 



52 



BANK COMMISSIONER'S REPORT. 



[Jan. 



William A. Burke, President. 



MECHANICS' SAVINGS BANK-LOWELL. 
[March 24.] 



Treasurer, C. C. Hutchinson. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, . 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, . 

to Counties, Cities and Towns 
Expense Account, 
Cash on hand, .... 



$1,529,306 63 
20,493 11 



$1,549,799 74 



$311,500 00 

113,750 00 

25,000 00 

27,211 27 

3,000 00 

10,300 00 

847,411 25 

146,000 00 

10,800 00 

44,800 00 

7,969 06 

2,058 16 



,,549,799 74 



Number of Depositors, 3,695 

Rate of ordinary dividends for the last year, . . . . . 5 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . . . . . . . . Three years. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 2,700 00 



Edward Brooks, President. 



MEDFORD SAVINGS BANK— MEDFORD. 
[October 12.] 



Treasurer, Herbert Magoun. 



Deposits, . 
Profits, . 
Public Funds, 
Bank Stock, 
Railroad Bonds 
Loans on Real Estate, 

on Personal Security, 
Furniture and Fixtures, 
Expense Account, 
Cash on hand, . 



$100,796 63 
1,056 98 



$101,853 61 



$5,385 00 

8,768 00 

3,000 CO 

72,725 00 

2,850 00 

500 00 

248 19 

8,377 42 



$101,853 61 



Number of Depositors, 787 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Three years. 

Average annual expenses, $525 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



53 



M. M. Fisher, President. 



MEDWAT SAVINGS BANK— MEDWAY 
[November 22.] 



Treasurer, 0. A. Mason. 



Deposits, . 


$18,359 52 




Interest, 


276 84 




Bank Stock, 




$2,400 00 


Loans on Real Estate, .... 




10,675 00 


on Personal Security, 




2,000 00 


to Counties, Cities and Towns, 




3,000 00 


Expense Account, 




262 07 


Cash on hand, 




2,299 20 




$18,636 36 


$18,636 36 



Number of Depositors, . 
Commenced business March 30, 1871. 



204 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 
[October 2.] 



Lyman S. Hapgood, President. 



Treasurer, Anson J. Stone. 



Capital Stock, . . . 


$205,757 20 




Deposits, . . . . 




2,362,207 33 




Profit and Loss, 




27,239 97 




Interest, 




63,003 13 




Premium Account, . 




9,091 85 


% 


Public Funds, .... 






$40,000 00 


Bank Stock, .... 






10,900 00 


Real Estate, .... 






141,386 85 


Loans on Public Funds, . 






12,000 00 


on Bank Stock, 






54,300 00 


on Real Estate, 






1,624,837 77 


on Personal Security, 






205,335 92 


on Railroad Stock, . 






10,000 00 


to Counties, Cities and Towns, 






407,400 00 


Suspense Account, ... 






1,000 00 


Expense and Tax Account, 






22,130 83 


Dividend Account, . . . < 






18,001 48 


Cash on hand, . . 






120,006 63 






$2,667,299 48 


$2,667,299 48 



Number of Depositors, . 6,130 

"Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,900 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



MEREIMACK RIVER SAVINGS BANK— LOWELL. 

[November 2.] 



Josiah G. Peabody, President. 



Deposits, .... 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



Treasurer, G. W. Knowlton. 



$40,066 38 
474 19 



$40,540 57 



$4,552 00 
800 00 

27,300 00 

6,925 32 

108 75 

854 50 



,540 57 



Number of Depositors, . 
Commenced business in April, 1871. 



157 



MIDDLESEX INSTITUTION FOR SAVINGS— CONCORD. 
[April 25.] 



George M. Brooks, President 



Treasurer, George Heywood. 



Deposits, . , . . 


$841,770 91 




Profits, 


2,995 69 




Interest received, 


27,613 85 




Public Funds, 




$156,000 00 


Bank Stock, 




255,000 00 


Loans on Real Estate, .... 




326,946 00 


on Personal Security, 




41,150 00 


to Counties, Cities and Towns, 




57,328 00 


Interest paid, 




22,200 59 


Expense Account, 




1,096 68 


Cash on hand, 




12,659 18 




$872,380 45 


$872,380 45 



Number of Depositors, 2,826 

Rate of ordinary dividends for the last year, ..... 5 per cent. 
Last dividend of reserved profits', in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 2,300 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



55 



MILFORD SAVINGS BANK— MILFORD. 

[April 12.] 

Orison Underwood,' President. Treasurer, A. G Underwood. 



Deposits, . .'.... 


$378,154 12 




Profits, .... 










6,638 35 




Interest, . 










8,106 79 




Public Funds, . 












$46,100 00 


Bank Stock, 












31,891 12 


Real Estate, 












1,000 00 


Loans on Public Funds, 












13,150 00 


on Bank Stock, 












30,207 55 


on Real Estate, 












124,600 00 


on Personal Security, 










58,200 00 


to Counties, Cities and Towns, 






72,000 00 


Cash on hand, 






15,750 59 




1392,899 26 


$392,899 26 



Number of Depositors, . 1,863 

Rate of ordinary dividends for the last year, . . . • 5 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Average annual expenses, . . $1,500 00 



Thos J. Harrington, President. 



MILLBURY SAVINGS BANK-MILLBURY. 
[April 13.] 



Treasurer, David Atwood. 



Deposits, 


$221,829 94 




Profits, . . . - . 








819 38 




Interest, ..... 








3,102 61 




Suspense Account, . 








500 00 




Due Millbury National Bank, 








3,775 88 




Public Funds, . 










$53,000 00 


Bank Stock, 










18,800 00 


Loans on Bank Stock, 










500 00 


on Real Estate, 










125,975 00 


to Counties, Cities and Towns, 






31,500 00 


Expense Account, .... 






252 81 




$230,027 81 


$230,027 81 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1869. 
Average annual expenses, 



753 
6 per cent. 



$800 00 



56 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NANTUCKET INSTITUTION FOR SAVINGS-NANTUCKET. 

[August 11.] 
George Cobb, President. Treasurer, Matthew Barney. 



Deposits, . 

Interest, . 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, . 
to Counties, Cities and Towns 
to Banks, on interest, 

Expense Account, 

Cash on hand, ...... 



$499,967 95 
1,767 20 



$501,735 15 



$65,873 00 

118,256 00 

8,575 00 

4,563 00 

1,900 00 

259,065 50 

20,976 53 

650 00 

3,500 00 

7,499 35 

1,012 93 

9,863 84 



$501,735 15 



Number of Depositors, • 1,530 

Eate of ordinary dividends for the last year, . . . . 6£ per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average annual expenses, 1,600 00 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[November 14.] 
John Kimball, President. Treasurer, Nathaniel Clark. 



Deposits, 


$250,938 42 




Profits, . . . 


2,503 68 




Public Funds, 




$500 00 


Loans on Real Estate, .... 




199,486 53 


on Personal Security, 




22,570 00 


to Counties, Cities and Towns, 




27,500 00 


Cash on hand, 




3,385 57 




$253,442 10 


$253,442 10 



Number of Depositors, 1,585 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, $800 00 



1872.] 



public document—No. 8. 



57 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[July 28.] 
George Howland, President. Treasurer, B. Ricketson, Jr. 



Deposits, 


$2,196,675 31 




Profits, 




. 




11,871 30 




Interest, . 




. 




39,775 57 




Discount, . 




. 




24,587 55 




Premium Account, 




, 




23,569 27 




Taxes unpaid, . 




, . 




2,981 77 




Public Funds, . 




. 






$1,281,800 00 


Bank Stock, 




, . 






103,100 00 


Railroad Bonds, 




. 






83,500 00 


Loans on Public Funds, 


, . 






13,925 00 


on Bank Stock, 


, , 






3,300 00 


on Beal Estate, 


, . 






361,425 14 


on Personal Security, 






388,927 42 


to Counties, Cities and Towns 






1,640 00 


Furniture and Fixtures, . 






9,349 38 


Expense Account, 






1,877 55 


Cash on hand, ..... 






50,616 28 










$2,299,460 77 


$2,299,460 77 



Number of Depositors, . . . . . . . . . . 10,024 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $49,400 00 

Average annual expenses, 6,500 00 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[July 27.] 
, President. Treasurer, Charles H. Peirce. 



Deposits, 


$6,083,741 84 




Surplus Fund, . 








125,000 00 




Profit and Loss, 








95,476 01 




Public Funds, . 










$3,318,307 00 


Bank Stock, 










1,179,350 00 


Railroad Bonds, 










56,360 00 


Peal Estate, 










5,553 00 


Loans on Public Funds, . 










22,210 00 


on Bank Stock, 










20,300 00 


on Real Estate, 










2,133 67 


on Personal Security, 








1,351,647 66 


on Railroad Stock and Bonds, 




14,950 00 


to Counties, Cities and Towns, 




220,852 48 


to Banks, on interest, 




74,145 08 


Expense Account, . . . . 




2,828 15 


Suspense Account, 




22,856 63 


Cash on hand, ...... 




12,724 18 










$6,304,217 85 


$6,304,217 85 



Number of Depositors, ... 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, .... 



14,453 

7 per cent. 

$109,600 00 
10,<000 00 



8 



58 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEWBURYPORT FIVE CE^TS SAVINGS BANK— NEWBURYPORT. 

[October 6.] 



David Wood, President. 



Treasurer, J. A. Maynarb. 



Deposits, 


1684,211 82 




Profits, .... 


. . . 


1,736 00 




Interest, 


i . . • 


21,877 94 




Public Funds, . 


. • • 




1144,875 00 


Bank Stock, 


... 




87,600 00 


Railroad Bonds, 


> . . . 




16,437 00 


Loans on Public Funds, 


■ • . • 




7,100 00 


on Bank Stock, 


... 




6,700 00 


on Real Estate, 


... 




279,795 00 


on Personal Security, 




51,790 00 


to Counties, Cities and Towns, 




94,280 00 


to Banks, on interest, 


# 


17,413 57 


Expense Account, 




738 20 


Cash on hand, ...... 




1,096 99 




1707,825 76 


$707,825 76 



Number of Depositors, , 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ...... 



3,377 
6 per cent. 

$8,000 00 
1,500 00 



NORTHAMPTON INSTITUTION FOR SAVINGS-NORTHAMPTON. 

[May 24.] 



William Allen, President. 



Treasurer, L. Maltby. 



Deposits, . . . ... 


11,402,975 96 




Profits, .... 




41,535 74 




Public Funds, . . . 






1349,000 00 


Bank Stock, . . . 






37,300 00 


Loans on Public Funds, . 






36,998 07 


on Bank Stock, 






43,700 00 


on Real Estate, 






562,758 40 


on Personal Security, 






218,940 00 


to Counties, Cities and Towns, 




88,589 53 


Cash on hand, ...... 




107,225 70 






11,444,511 70 


11,444,511 70 



Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



6 per cent. 

Five years. 
$5,300 00 
4,500 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



59 



R. H. Wells, President. 



NORTH ADAMS SAVINGS BANK— NORTH ADAMS 

[July 12.] 



Treasurer, E. D. Whitaker. 



Deposits, 


$504,225 12 




Profits, .... 










13,623 44 




Public Funds, . 












$10,000 00 


Bank Stock, . . 












9,510 00 


Real Estate, 












8,208 62 


Loans on Public Funds, 












3,000 00 


on Bank Stock, 












10,968 00 


on Real Estate, 












209,515 00 


on Personal Security, 










166,175 00 


to Counties, Cities and Towns, 






78,258 66 


Cash on hand, 






22,213 28 












$517,848 56 


$517,848 56 



Number of Depositors, 1,855 

Rate of ordinary dividends for the las-t year, 6 per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, $2,000 00 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGEWATER. 

[September 7.] 
Henry W. Robinson, President. Treasurer, Edward Southworth. 



Deposits, 

Profits, 

Interest, . . . . . 

Bank Stock, ...... 

Loans on Real Estate, .... 

on Personal Security. 
Cash on hand, 


$368,947 00 
592 83 
295 45 


$32,429 16 

191,587 48 

126,901 00 

18,917 64 




$369,835 28 


$369,835 28 

* 



Number of Depositors, ........ 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,577 
6 per cent. 

$12,491 25 
1,000 00 



60 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[May 3.] 
Charles Adams, Jr., President. Treasurer, Bonum Nye. 



Deposits, 


1197,682 27 




Profits, 


2,862 09 




Public Funds, 




$76,000 00 


Bank Stock, 




1,500 00 


Loans on Public Funds, .... 




25,000 00 


on Real Estate, .... 




85,279 00 


on Personal Security, 




2,300 00 


to Counties, Cities and Towns, 




4,000 00 


Furniture, 




118 00 


Expense Account 




29 60 


Cash on hand, . . . . . . 




6,317 76 




1200,544 36 


$200,544 36 



Number of Depositors, 970 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Extra dividends are made once in . Five years. 

Average annual expenses, $540 00 



F. L. Ames, President 



NORTH EASTON SAVINGS BANK— NORTH EASTON. 
[June 21.] 



Treasurer, P. A. Gifford. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$162,214 49 
2,119 31 



$164,333 80 



$70,065 55 

34,892 25 

18,000 00 

30,535 18 

4,175 00 

25 

6,665 57 



$164,333 80 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, s 



675 
7 per cent. 

$10,690 00 
250 00 



1872.] 



PUBLIC DOCUMENT— No. 8, 



61 



Robert Marsh, President. 



NORTH END SAVINGS BANK—BOSTON. 
[Feburary 10.] 



Geo. C. Trumbull, Treasurer. 



Deposits, 


$95,284 20 




Interest, .... 






2,291 76 




Public Funds, . 








$4,925 00 


Bank Stock, 








11,959 62 


Loans on Public Funds, . 








200 00 


on Real Estate, 






; 


59,337 83 


Furniture and Fixtures, . 








1,855 36 


Expense Account, 








1,398 27 


Cash on hand, . 








17,899 88 




$97,575 96 


$97,575 96 




484 




6 per cent. 


No extra dividends are made. 




Largest amount invested in the stock of any one bank, 


$4,940 50 


PEOPLE'S SAVINGS BANK— WORCESTER. 




[April 4.] 




John C. Mason, President Treasurer, C. M. Bent, 


Deposits, 


$2,310,684 90 




Dividend Account, 








46,827 04 




Interest, . 








32,642 66 




Suspense Account, 








5,946 40 




Rent Account, . 








6S8 60 




Public Funds, . 










$358,500 00 


Bank Stock, 










322,800 00 


Railroad Bonds, 










40,000 00 


Real Estate, 










65,000 00 


Furniture and Safe, 










2,937 34 


Loans on Public Funds, 








31,300 00 


on Bank Stock, 








20,350 00 


on Real Estate, 








1,221,115 00 


on Personal Security, 






185,358 76 


on Railroad Stock, . 






3,500 00 


to Counties, Cities and Towns 






4,000 00 


to Banks, on interest, 






40,112 75 


Profit and Loss Account, . 






38,693 58 


Expense Account, 






1,230 44 


Premium Account, . 






58,177 77 


Cash on hand, .... 






3,713 96 










$2,396,789 60 


$2,396,789 60 



Number of Depositors, 7,173 

Rate of ordinary dividends for the last year, . . . . 6 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $29,600 00 

Average annual expenses, 4,500 00 



62 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PALMER SAVINGS BANK— PALMER. 

[May 2.] 

George F. Hill, President. Treasurer, Marshall W. French. 



Deposits, 


$67,680 24 




Interest, 


135 20 




Loans on Public Funds, .... 




$1,375 00 


on Real Estate, .... 




39,050 00 


on Personal Security, 




5,200 00 


to Counties, Cities and Towns, 




4,890 00 


Expense Account, . 




360 91 


Cash on hand, 




16,939 53 




$67,815 44 


$67,815 44 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends are made. 



318 
6 per cent. 



PLYMOUTH FIVE CENTS SAVINGS BANK-PLYMOUTH. 

[October 31.] 

Treasurer, Daniel J. Robbins. 



Leander Lovell, President. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, . 

to Counties, Cities and Towns 
Suspense and Tax Account, 
Expense Account, 
Cash on hand, .... 



$362,690 25 

489 28 

5,348 80 



$368,537 33 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



$127,200 00 

22,700 00 

40,000 00 

2,850 00 

3,100 00 

1,525 00 

119,446 00 

34,065 00 

140 00 

12,000 00 

550 31 

1,047 39 

3,913 63 



$368,537 33 



2,060 
6 per cent. 

$5,000 00 
1,200 00 



1872.] 



PUBLIC DOCUMENT— No. 8 S 



63 



PLYMOUTH SAVINGS BANK-PLYMOUTH. 

[October 31.] 
Nathaniel Russell,, President. Treasurer, Allen Danforth. 



Deposits, 


11,701,634 14 




Profits, 


• • • 




18,837 83 




Interest, . 


i • • < 




51,953 45 




Suspense Account, 


• . 




3,157 13 




Public Funds, . 


. • . 






$561,546 25 


Bank Stock, 


. . 






419,275 00 


Railroad Bonds, 


. . ■ 






66,500 00 


Real Estate, 


. • i 






8,174 00 


Loans on Public Funds, . 






13,920 00 


on Bank Stock, 






5,200 00 


on Real Estate, 






481,429 00 


on Personal Security, 






115,055 13 


on Railroad Stock, . 






23,890 00 


to Counties, Cities and Towns 






36,500 00 


Tax Account, .... 






6,765 54 


Expense Account, . . . 






1,533 63 


Cash on hand, .... 






35,794 00 








$1,775,582 55 


$1,775,582 55 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6,459 
7 per cent. 

$27,000 00 
4,500 00 



PROVIDENT INSTITUTION FQR SAVINGS— BOSTON. 

[April 7.] 

Treasurer, Peter Wainwright. 



John Amory Lowell, President. 



Deposits, 


$11,802,389 27 




Profits, 


. . ■ 




245,907 71 




Interest, . 


. • ■ 




110,984 60 




Suspense Account, 


• • • < 




6,232 33 




Public Funds, . 


> • • ■ 


„ 




$853,625 09 


Bank Stock, 


■ . • 






1,193,100 00 


Railroad Bonds, 


> . • 






609,250 00 


Real Estate, 


. . 






50,000 00 


Loans on Public Funds, . 




\ 


108,000 00 


on Bank Stock, 






55,700 00 


on Real Estate, 






3,571,250 00 


on Personal Security, 






4,082,500 00 


on Railroad Stock, . 






2,800 00 


to Counties, Cities and Towns 






893,100 00 


Expense Account, 






9,034 80 


Cash on hand, .... 






737,144 02 








$12,165,503 91 


$12,165,503 91 



Number of Depositors, 33,109 

Rate of ordinary dividends for the last year, - 5 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $188,100 00 

Average annual expenses, 38,000 00 



u 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PROVIDENT INSTITUTION FOR SAVINGS— SALISBURY. 

[October 10.] 

William C Binney, President. Treasurer, Thomas J Clark. 



Deposits, 


$1,026,303 98 




Profits, , 


5,270 91 




Interest, ....... 


29,717 48 




Public Funds, 




$249,000 00 


Bank Stock, 




133,825 00 


Railroad Bonds, 




45,000 00 


Keal Estate, 




2,500 00 


Loans on Public Funds, .... 




3,000 00 


on Real Estate, .... 




143,150 00 


on Personal Security, 




183,100 00 


to Counties, Cities and Towns, 




295,500 00 


to Banks, on interest, 




7,000 00 


Expense Account, ..... 




770 61 


Cash on hand, 




1,446 76 




$1,061,292 37 


$1,061,292 37 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1865. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ....... 



4,170 
6 per cent. 

$10,000 00 
1,450 00 



Daniel Baxter, President. 



QUINCY SAVINGS BANK— QUINCY 

[June 16.] 



Treasurer, George L. Gill. 



Deposits, . 




$692,108 27 




Suspense, . 


> . . . 


16 95 




Public Funds, . 


... 




$143,000 00 


Bank Stock, 


... 




54,234 86 


Loans on Bank Stock, 


■ . . . 




1,500 00 


on Real Estate, 


• * . 




338,750 00 


on Railroad Stock, 


» . . . 




20,000 00 


to Counties, Cities a 


md Towns, 




106,000 00 


Dividend Account, . 


> . • • 




4,118 73 


Expense Account, 


■ . . . 




692 64 


Cash on hand, . . , 


... 




10,328 99 




$692,125 22 


$692,125 22 



Number of Depositors, 2,224 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,377 50 

Average annual expenses, 1,500 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



65 



RANDOLPH SAVINGS BANK— RANDOLPH. 

[September 14.] 
Atherton "Wales, President. Treasurer, Seth Turner. 



Deposits, 


$413,785 59 




Interest, ....... 


4,684 82 




Due Randolph National Bank, . 


3,000 00 




Public Funds, 




$80,000 00 


Bank Stock, ...... 




59,800 00 


Railroad Bonds, 




84,000 00 


Loans on Public Funds, .... 




3,575 00 


on Real Estate, .... 




107,400 00 


on Personal Security, 




26,700 00 


to Counties, Cities and Towns, 




57,000 00 


Premium Account, ..... 




444 81 


Expense Account, ..... 




1,754 3(5 


Cash on hand, 




796 30 




$421,470 41' 


$421,470 41 



Number of Depositors, . . . . 1,530 

Rate of ordinary dividends for the last year, . . . . 6 per cent. 
Last dividend o£ reserved profits, in 1871. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, . . 600 00 



READING SAVINGS BANK— READING. 

[September 19.] 

Ephraim Hunt, President. Treasurer, Nathan P. Pratt. 



Deposits, . . . . 

Interest, 

Bank Stock, ... . . . 

Loans on Real Estate, .... 
on Personal Security, 
to Counties, Cities and Towns, 

Expense and Tax Account, 

Cash on hand, . . . . 


$116,711 61 

792 27 


$6,000 00 
74,550 00 
13,543 00 
9,100 00 
1,704 71 
12,606 17 




$117,503 88 


$117,503 88 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends are made. 



506 
6 per cent. 



66 



BANK COMMISSIONER'S REPOR' 



[Jan. 



Henry Dennis, President. 



ROCKPORT SAVINGS RANK-ROCKPORT. 
[October 5.] 



Treasurer, Newell Giles. 



Deposits, . . . : 
Profits, .... 
Bank Stock, 
Loans on Keal Estate, 

on Personal Security, 
Cash on hand, . 



$240,436 27 
5,984 70 



1246,420 97 



5,919 00 

119,599 13 

56,964 68 

20,938 16 

$246,420 97 



Number of Depositors, 1,075 

Rate of ordinary dividends for the last year, . , ... 6 per cent. 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . $6,973 50 

Average annual expenses, . . . 800 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[September 29.] 

Henry S. Williams, President. Treasurer, Charles H. Henderson. 



Deposits, 


$1,350,241 36- 




Profits, . . . . . 


10,748 06 




Public Funds, . . . 




$288,143 12 


Bank Stock, . . . 




65,854 24 


Railroad Bonds, ..... 




32,440 00 


Loans on Public Funds, .... 




26,400 00 


on Bank Stock, .... 




1,100 00 


on Real Estate, .... 




541,114 00 


on Personal Security, 




255,700 00 


on Railroad Stock, . . 




3,500 00 


to Counties, Cities and Towns, 


• 


114,962 50 


to Banks, on interest, . . 




31,000 00 


Cash on hand, ...... 




775 56 




$1,360,989 42 


$1,360,989 42 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ...... 



5,637 
6 per cent. 



£9,105 50 
3,800 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



67 



SALEM SAVINGS BANK— SALEM. 

[October 24.] 

Joseph S. Cabot, President. Treasurer, Charles E. Symonds. 



Deposits, 


$4,973,602 09 




Profits, .... 


... 


46,186 60 




Public Funds, . 


. 




11,686,000 00 


Bank Stock, 


. • 




292,690 00 


Railroad Bonds, 


> . • • 




25,000 00 


Real Estate, 


> . . . 




60,000 00 


Loans on Bank Stock, 


• . • • 




12,000 00 


on Real Estate, 






878,290 50 


on Personal Security, 




937,226 00 


on Railroad Stock, .... 




9,000 00 


to Counties, Cities and Towns, 




1,031,500 00 


to Banks, on interest, 




79,450 00 


Cash on hand, 




8,632 19 






15,019,788 69 


$5,019,788 69 



Number of Depositors, . . 15,151 

Rate of ordinary dividends for the last year, . 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $60,000 00 

Average annual expenses, 9,300 00 



SANDWICH SAVINGS BANK— SANDWICH. 

[August 8.] 
W. E. Boyden, President. Treasurer, Charles B. Hall. 



Deposits, .... 




$60,061 60 




Profits, 


... 


579 15 




Interest, .... 


... 


1,338 56 




Public Funds, . 


• . • 




$6,500 00 


Loans on Public Funds, . 


... 




665 00 


on Real Estate, 


. 




26,067 00 


on Personal Security, 


... 




19,455 00 


to Counties, Cities and Towns, 




2,000 00 


Expense Account, 


... 




36 70 


Cash on hand, . 


... 




7,255 61 




$61,979 31 


$61,979 31 



Number of Depositors, 426 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Average annual expenses, $215 00 



68 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SCITUATE SAVINGS BANK— SCITUATE. 

[August 29.] 



John Beal, President. 




Treasur 


er, C. W. Peoutt. 


Deposits, . 


• . • • 


$104,455 16 




Profits, 


. . . • 


4,502 05 




Interest, . 


* • . 


3,130 45 




Public Funds, . 


• . . • 




$1,100 00 


Bank Stock, 


.... 




17,100 00 


Loans on Real Estate, 


• • • • 


. 


76,588 94 


on Personal Secur 


ity, 




1,588 .23 


to Counties, Cities 


and Towns, 




11,170 00 


Expense Account, 


.... 


• 


628 57 


Cash on hand, . 


. » • • 




3,911 92 




$112,087 66 


$112,087 66 



Number of Depositors, 314 

Rate of ordinary dividends for the last year, ...... 6 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, ... $7,00000 

Average annual expenses, . . . 220 00 



David Fairbanks, President 



SEAMEN'S SAVINGS BANK— PRO VINCET OWN 
[August 3.] 



Treasurer, John Young, Jr. 



Deposits, 


$474,455 02 




Profits, 




> . . . 


598 24 




Interest, . 




> . . • 


482 98 




Suspense Account, 




» . • • 


13,497 75 




Dividend Account, . 




... 


8,194 86 




Public Funds, . 




• • • • 




$144,500 00 


Bank Stock, 




... 




60,000 00 


Railroad Bonds, 




t % 




28,500 00 


Real Estate, 




• • • 




1,322 95 


Loans on Public Funds, . 


... 




8,174 00 


on Real Estate, 


> . • • 




30,764 00 


on Personal Security, 




84,116 97 


to Counties, Cities and Towns, 




116,775 00 


Furniture and Safe, 




1,568 27 


Cash on hand, 




21,507 66 


'- 


$497,228 85 


$497,228 85 


Number of Depositors, 




1,569 


Rate of ordinary dividends for the last year, 


. . . . 


7 per cent. 


No extra dividends are made. 






Largest amount invested in the stock of any one b 


ank, 


$12,600 00 






2,000 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



69 



SHELBURNE FALLS FIVE CENTS SAVINGS- BANK— SHELBURNE. 

[July 11.] 



F. A. Ball, President. 



Treasurer, A. K. Hawks. 



Deposits, ....... 


$470,587 93 




Profits, 




10,316 08 




Interest, . 




2,411 28 




Public Funds, . 






$30,100 00 


Bank Stock, 






24,700 00 


Ileal Estate, 






5,500 00 


Loans on Real Estate, 






271,875 00 


on Personal Security, 




139,512 32 


Cash on hand, . . . . . 




11,627 97 


» 


to 


$483,315 29 


$183,315 29 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



2,300 
per cent. 

$18,000 00 
1,300 00 



SOUTHBRIDGE SAVINGS BANK— SQUTHBRIDGE. 
[October 25.] 
Samuel Hartwell, President. Treasurer, S. M. Lane. 



Deposits, .......* 


$606,491 72 




Interest, . . . . . . 


8,260 61 




Public Funds, ...... 




$211,800 00 


Bank Stock, . . . . . . 




56,000 00 


Loans on Public Funds, .... 




31,100 00 


on Bank Stock, .... 




6,070 00 


on Real Estate, .... 




210,050 00 


on Personal Security, 




58,600 00 


to Counties, Cities and Towns, 




28,100 00 


to Banks, on interest, 




10,000 00 


Tax Account, ...... 




1,396 27 


Expense Account, . . . 




316 83 


Cash on hand, ...... 




1,319 23 




$614,752 33 


$614,752 33 



Number of Depositors, ....#.. 
Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1871. 

Extra'dividends are made once in 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



2,097 
5 per cent. 

Three years. 
$30,000 00 
1,269 30 



70 



BANK COMMISSIONER'S REPORT. 



[Jan. 



H. J. Bliss, President. 



SOUTH ADAMS SAVINGS BANK— SOUTH ADAMS 
[July 12.] 



Treasurer, H. H. Wellington. 



Deposits, . . . . . • ■• 


8144,701 50 




Interest, 


628 17 




Bank Stock, 




$7,180 00 


Loans on Bank Stock, 


' 


10,672 00 


on Real Estate, .... 




39,250 00 


on Personal Security, . . 




54,541 17 


to Counties, Cities and Towns, 




3,500 00 


to Banks, on interest, 




29,948 17 


Cash on hand, ...... 




238 33 


-4 


1145,329 67 


1145,329 67 



Number of Depositors, . 

Kate of ordinary dividends for the last year, 

No extra dividends are made. 

Average annual expenses, 



552 
6 per cent. 



$375 00 



SOUTH BOSTON SAVINGS BANK— BOSTON. 
[March 9.] 



F. W. Nickeeson, President. 



Treasurer, D. McB. Thaxtek. 



Deposits, ....... 


8613,779 18 




Profits, 




7,159 28 




Rent Account, . . 




363 22 




Suspense Account, . . . 




55 00 




Public Funds, .... 






876,800 00 


Railroad Bonds, 






10,000 00 


Real Estate, 




1 


27,585 44 


Loans on Real Estate, 






387,075 00 


on Personal Security, 






74,000 00 


to Counties, Cities and Towns, 




21,877 42 


Furniture and Fixtures, . . 




1,632 95 


Premium Account, ..... 




6,871 00 


Interest Account, ..... 




7,644 28 


Expense Account, ..... 




631 96 


Cash on hand, 




7,238 63 




* 


$621,356 68 


8621,356 68 



Number of Depositors, 
Rate of ordinary dividends for the last year, 
Last dividend of reserved profits, in 1869. 
Extra dividends are made once in . 
Average annual expenses, 



3,253 

6 per cent. 

Three years. 
$2,450 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



71 



SOUTH SCITUATE SAVINGS BANK— SOUTH SCITUATE 

[August 28.] 



Moses F. Rogers, President. 



Treasurer, E T. Fogg. 



Deposits, ... 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$312,078 73 
1,080 15 



$313,158 88 



$10,850 00 
46,700 00 

205,556 68 

31,170 00 

14,132 00 

4,750 20 



$313,158 88 



Number of Depositors, . . . . « 994 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in. the stock of any one bank, .• . . $6,500 00 

Average annual expenses, , . . 700 00 



SOUTH WEYMOUTH SAVINGS BANK— SOUTH WEYMOUTH. 

[Septmber 15.] 



Albert Tirrell, President. 



Treasurer, B. F. White. 



Deposits, 


$165,725 95 




Profits, . . ... 


1,610 33 




Interest, ....... 


998 03 




Due First Nat. Bank, South Weymouth, . 


515 83 




Bank Stock, 




$76,051 24 


Loans on Real Estate, .... 




77,109 66 


on Personal Security, 




7,417 95 


to Counties, Cities and Towns, 




8,000 00 


Expense Account, 




271 29 




$168,850 14 


$168,850 14 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



519 
6 per cent. 

$12,910 25 
450 00 



72 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SPRINGFIELD FIVE CENTS SAVINGS BANK-SPRINGFIELD. 

[May 26.] 



Joseph C. Pynchon, President. 



Treasurer, Daniel J. Marsh. 



Deposits, .... 


$1,008,385 14 




Profits, * | 










16,658 42 




Public Funds, . 












$247,200 00 


Bank Stock, 












41,100 00 


Loans on Public Funds, 












14,400 00 


on Bank Stock, 










k 


19,800 00 


on Real Estate, 












639,250 00 


to Banks, on interest-, 










61,000 00 


Cash on hand, . 




- 






2,293 56 




11,025,043 56 


$1,025,043 56 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 



5,300 
6 per cent. 

.$7,500 00 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[June 30.] 
Josiah Hooker, President. Treasurer, Henry S. Lee. 



Deposits, . . . ... 


$4,604,799 04 




Profits and Interest, . 




107,289 00 




Public Funds, .... 






$1,251,000 00 


Bank Stock, ..... 






368,800 00 


Real Estate, .... 






99,874 61 


Loans on Public Funds, . 






117,200 00 


on Bank Stock, 






83,950 00 


on Real Estate, 






2,406,130 00 


on Personal Security, 






57,450 00 


on Railroad Stock, . 




5,250 00 


to Counties, Cities and Towns, 




231,000 00 


to Banks, on interest, 




30,043 15 


Cash on hand, . . .... 




61,390 28 






$1,712,088 04 


$4,712,088 04 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, • 

No extra dividends are made. 

Largest amount invested in the sttfck of any one bank, 

Average annual expenses, . . . . 



12,613 
6 per cent. 

$22,500 00 
7,781 00 



1872.] 



public document—no. 8. 



73 



STONEHAM FIVE CENTS SAVINGS BANK— STONEHAM. 

[November 17.] 

Ben j. F. Richardson, President. Treasurer, Ira Gerry. 



. 

Deposits, 


$217,019 91 




Profits, ..... 




2,542 93 




Interest, . . . 




3,002 01 




Public Funds, * 






$18,050 00 


Bank Stock, . . 






5,100 00 


Loans on Real Estate, 






143,673 25 


on Personal Security, 






26,763 69 


to Counties, Cities and Towns, 




25,000 00 


Cash on hand, ...... 




3,977 91 


• 


/ 


$222,564 85 


$222,564 85 



Number of Depositors, 261 

Bate of ordinary dividends for the last year, . ... . . 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, > . . . . $400 00 



SUFFOLK SAVINGS BANK— BOSTON. 

[March. 21.] 

Thomas Lamb, President. Treasurer, Chas. Henry Parker. 



Deposits, ........ 


$5,672,023 13 




Profit and Loss, 






469,646 59 




Public Funds, .... 








$1,210,600 00 


Bank Stock, 








432,625 00 


Railroad Bonds, 








130,000 00 


Real Estate, .... 






* 


175,000 00 


Loans on Bank Stock, 








51,425 00 


on Real Estate, 








1,476,498 92 


on Personal Security, 








2,187,500 00 


on Railroad Stock, . 








354,669 86 


Dividend Account, . 








35,130 38 


Expense Account, 








10,791 62 


Cash on hand, . 








77,428 94 








$6,141,669 72 


$6,141,669 72 



Number of Depositors, 16,143 

Rate of ordinary dividends for the last year, . . . ... 5 per cent. 

Last dividend of reserved profits, in 18G8. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $62,400 00 

Average annual expenses, . . . . . . .' 20,900 00 



10 



74 



BANK COMMISSIONER'S REPORT. 



[Jan. 



TAUNTON SAVINGS BANK— TAUNTON. 

[October 27-] 
William Lovering, President. Treasurer, Henry R. Wood. 



Deposits, 


8735,013 08 




Discount Account, . 






22,762 66 




Public Funds, . 








$27,150 00 


Bank Stock, ... 








48,721 11 


Railroad Bonds, 








30,000 00 


Loans on Public Funds, . 








4,300 00 


on Bank Stock, 








4,800 00 


on Real Estate, 








523,463 75 


on Personal Security, 








95,607*50 


on Railroad Bonds, . 








8,000 00 


Expense Account, 






, 


441 39 


Cash on hand, . 


9 




15,291 99 








$757,775 74 


$757,775 74 



Number of Depositors, 2,366 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $27,200 00 

Average annual expenses, 1,300 00 



UNION INSTITUTION FOR SAVINGS— BOSTON. 

[February 17.] 
John C. Crowley, President. Treasurer, George F. Emery. 



Deposits, .... 




$2,432,683 40 




Interest, .... 


• • • 


77,727 71 




Public Funds, . 


... • 




$213,000 00 


Real Estate, 


... 




284,800 00 


Loans on Real Estate, 


... 




1,630,667 68 


on Personal Security, 


... 




19,500 00 


to Counties, Cities and Towns, 




125,000 00 


to Banks, on interest, 


... 




228,504 15 


Expense Account, 


... 




5,221 68 


Cash on hand, . 






3,717 60 




$2,510,411 11 


$2,510,411 11 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
Average annual expenses, 



7,299 
6£ per cent. 
$8,425 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



75 



UNION SAVINGS BANK— FALL RIVER. 

[October 18.] 
Augustus Chace, President. Treasurer, D. A. Chapin. 



Deposits, . 

Discount and Interest, 

Public Funds, . 

Bank Stock, 

Loans on Keal Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, 



5512,244 86 
19,847 14 



$532,092 00 



120,000 00 

16,600 00 

262,310 00 

208,540 24 

10,000 00 

14,641 76 



$532,092 00 



Number of Depositors, 1,134 

Rate of ordinary dividends for the last year, . . . . . 7J per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $11,440 00 

Average annual expenses, 600 00 



Moses Taft, President. 



UXBRIDGE SAVINGS BANK— UXBRIDGE. 
[April 13.] 



Treasurer, Charles A. Taft. 



Deposits, .... 

Interest, . 

Bank Stock, 

Loans on Bank Stock, 
on Keal Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . . . 



$37,669 73 
626 12 



$38,295 85 



$2,805 00 

4,500 00 

14,400 00 

13,250 00 

449 82 

2,891 03 



$38,295 85 



Number of Depositors, . 
Commenced business October 5, 1870. 



297 



76 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WAKEFIELD SAVINGS BANK— WAKEFIELD. 

[November 9.] 
Cyrus Wakefield, President. Treasurer, Daniel Allen. 



Deposits, ....... 

Loans on Real Estate, . ... 

on Personal Security, 
Dividend Account, . . . 

Expense Account, 

Cash on hand, 


$60,266 24 


$41,300 00 

16,850 00 

279 19 

66 12 

1,770 93 




$60,266 24 


$60,266 24 



Number of Depositors, . 
Rate of ordinary dividends for the last year, 
Extra dividends are made once in . 
Average annual expenses, . 



513 

6 per cent. 

Three years. 

$400 00 



Elijah Shaw, President 



WALES SAVINGS BANK— WALES. 

[May 2.] 



Treasurer, J. C. Bueley. 



Deposits, ....... 


$13,580 69 




Interest, ....... 


• 87 44 




Bank Stock, ...... 




$3,005 00 


Loans on Real Estate, 




3,375 00 


on Personal Security, 




5,817 05 


to Counties, Cities and Towns, 




575 00 


Expense Account, ..... 




93 75 


Cash on hand, ...... 




802 33 




$13,668 13 


$13,668 13 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 



96 

6 per cent. 



1872.] 



PUBLIC DOCUMENT— No. 8. 



77 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 30.] 
Horatio Moore, President. Treasurer, J. S. Williams. 



Deposits, ....... 


$1,089,374 61 




Interest, ....... 


4,255 60 




Bills Payable, 


3,365 84 




Public Funds, . . < . 




$45,000 00 


Bank Stock, ...... 




32,835 00 


Loans on Real Estate, . . . 




734,433 00 


on Personal Security, 




170,100 00 


to Counties, Cities and Towns, 




110,500 00 


Tax Account, ...... 




2,628 05 


Expense Account, ..... 




1,500 00 




11,096,996 05 


$1,096,996 05 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Ijargest amount invested in the stock of any one bank, 

Average annual expenses,' 



4,055 
7 per cent. 

$11,935 00 
1,250 00 



William Hyde, President. 



WARE SAYINGS BANK— WARE. 
[May 3.] 



Treasurer, Otis Lane. 



Deposits, ....... 


$1,242,130 72 




Profits, 


• • • 


5,213 39 




Interest, . . 


... 


5,086 46 




Public Funds, . . 


... 




$375,000 00 


Bank Stock, 


... 




222,000 00 


Railroad Bonds, 


• -■.•• . 




20,000 00 


Loans on Public Funds, 


> . • . 




7,450 00 


on Hank Stock, 


. . . 




10.530 00 


on Real Estate, 


• . . 




221,187 00 


on Personal Security, 




213,790 00 


to Counties, Cities and Towns, 




168,140 00 


Expense Account, ..... 




1,551 18 


Cash on hand, . . ... 




12,782 39 






$1,252,430 57 


$1,252,430 57 



Number of Depositors, 3,429 

Rate of ordinary dividends for the last year, ...... 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, . . . " . ." . . . . 3,800 00 



78 



BANK COMMISSIONER'S REPORT. [Jan. 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 8.] 
Jesse Murdoch:, President. Treasurer, Thomas R. Miles. 



Deposits, ... 


1400,020 49 




Interest, ....... 


34,109 42 




Bank Stock, ...... 




$184,012 84 


Railroad Bonds, 




14,910 00 


Loans on Bank Stock, . . . 




19,600 00 


on Real Estate, .... 




18,000 00 


on Personal Security, 




162,155 54 


on Railroad Stock, .... 




9,400 00 


to Counties, Cities and Towns, 




5,000 00 


Expense Account, ..... 




2,972 86 


Cash on hand, . 

7 ; 




18,078 62 




$434,129 91 


$434,129 91 



Number of Depositors, 1,226 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $23,974 50 

Average annual expenses, , . 1,035 00 



WARREN FIVE CENTS SAVINGS BANK— PEABOBY. 
[October 24.] 



George Osborne, President. 



Treasurer, Francis Baker. 



Deposits, 


$689,519 38 




Profits, 


24,730 69 




Public Funds, . . . . 




$181,000 00 


Bank Stock, ...... 




74,784 00 


Loans on Real Estate, .... 




394,582 00 


on Personal Security, 




3,000 00 


to Counties, Cities and Towns, 




34,975 00 


Expense Account, ..... 




71 23 


Cash on hand, ...... 




25,837 84 




$714,250 07 


$714,250 07 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 



2,527 
6 per cent. 



$16,500 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



79 



WARREN INSTITUTION FOR SAVINGS-CHARLESTOWN. 

[September 28.] 
James Adams, President. Treasurer, George F. Tufts. 



Deposits, ....... 


12,929,006 41 




Profits, 


57,875 14 




Interest, ....... 


20,533 72 




Rent Account, . . . 


1,932 64 




Public Funds, 




$400,000 00 


Bank Stock, ...... 




75,200 00 


Real Estate, ...... 




50,000 00 


Loans on Real Estate, . . . 




1,806,554 06 


on Personal Security, 




271,300 00 


to Counties, Cities and Towns, 




346,955 00 


Interest Accrued, 




46,278 25 


Expense Account, ..... 




3,610 13 


Cash on hand, ...... 




9,450 47 


I 


$3,009,347 91 


$3,009,347 91 



Number of Depositors, . 8,724 | 

Rate of ordinary dividends for the last year, . ... . 6 per cent. 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 6,928 80 



WATERTOWN SAVINGS BANK— WATERTOWN. 

[December 28.] 
Charles J . Barry, President. Treasurer, John K. Stickney. 



Deposits, .... 




$29,765 40 




Interest, .... 


... 


221 50 




Public Funds, . 


• . . 




$1,900 00 


Bank Stock, . . . 


• . 




4,100 00 


Loans on Real Estate, 


. . . 




15,500 00 


on Personal Security, 


• . . 




5,500 00 


to Counties, Cities and Towns, 




900 00 


Profit and Loss Account, . 


... 




900 00 


Expense Account, 


. . . 




37 50 


Cash on hand, . 


• . • 




1,149 40 




$29,986 90 


$29,986 90 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 



170 

6 per cent. 
$2,100 00 



80 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WEBSTER FIVE CENTS SAVINGS BANK— WEBSTER. 

[October 25.] 

Henry H. Stevens, President. Treasurer, Edwin May. 



JSTumber of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 



Deposits, . 


$138,637 21 




Interest, ....... 


11 49 




Bank Stock, ...... 




$15,200 00 


Furniture and Fixtures, .... 




1,727 64 


Loans on Public Funds, .... 




1,000 00 


on Real Estate, . . 




93,300 00 


on Personal Security, 




10,650 00 


to Counties, Cities and Towns, 




10,000 00 


to Banks, on interest, . . . 




991 33 


Profit and Loss Account, .... 




350 21 


Expense Account, ..... 




350 95 


Premium Account, . . 




4,585 50 


Cash on hand, ...... 




493 07 




$138,648 70 • 


$138,648 70 



1,126 
6 per cent. 

$7,000 00 



WELLFLEET savings bank— wellfleet. 

[August 2.] 
Richard R. Freeman, President. . Treasurer, Thomas Kemp. 



Deposits, .... 




$188,369 16 




Interest, . . . 


... 


707 10 




Bank Stock, 


... 




$111,397 79 


Loans on Real Estate, 


. . • 




7,425 00 


on Personal Security, 


... 




49,324 95 


to Counties, Cities and Towns, 




17,175 00 


Expense Account, 


• . 




3 49 


Cash on hand, . 


... 




3,750 03 




$189,076 26 


$189,076 26 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



780 
7 per cent. 

$17,006 62 
475 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



81 



WESTBOROUGH SAVINGS BANK— WESTBOROUGH. 

[May 19.] 
Cyrus Fay, President. Treasurer, George O. BrigHam. 



Deposits, ....... 


$77,741 97 




Bank Stock, 




$7,900 00 


Loans on Real Estate, .... 




52,030 00 


on Personal Security, 




9,400 00 


to Counties, Cities and Towns, 




6,000 00 


Premium Account, ..... 




568 57 


Expense Account, ..... 




109 55 


Cash on hand, 




1,733 85 




$77,741 97 


$77,741 97 



Number of Depositors, 375 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Average annual expenses, . . . $200 00 



WEST BOSTON SAVINGS BANK-BOSTON. 

[March 7.] 

Franklin Haven, President. Treasurer, James H. "Wilder. 



Deposits, 


$1,301,137 34 




Profits, .... 






1,507 00 




Interest, .... 






15,978 42 




Bank Stock, 








$85,419 62 


Loans on Public Funds, . 








60,900 00 


on Bank Stock, 








16,000 00 


on Real Estate, 








980,815 90 


on Personal Security, 








123,600 30 


on Railroad Stock, . 








6,240 00 


Furniture and Fixtures, . 








500 00 


Expense Account, 








2,755 56 


Cash on hand, . 








42,391 88 








$1,318,622 76 


$1,318,622 76 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4,324 
7 per cent. 
$14,150 00 
4,123 00 



11 



82 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WESTFIELD SAVINGS BANK— WESTFIELD. 

[May 26.] 

Charles A. Jessup, President. Treasurer, V. W. Crowson. 



Deposits, .... 


$563,139 47 




Profits, . 


... 


3,506 10 




Interest, .... 


... 


211 36 




Public Funds, . 


i . . . 




$194,000 00 


Bank Stock, 


■ . . . 




9,000 00 


Loans on Public Funds, 


, , . . 




11,400 00 


on Bank Stock, 


> • . • 




8,300 00 


on Real Estate, 


... 




184,355 00 


on Personal Security, 




130,700 00 


to Counties, Cities and Towns, 




6,000 00 


Tax Account, . 




5,205 02 


Premium Account, . 




33 31 


Cash on hand, 




17,863 60 






$566,856 93 


$566,856 93 



Number of Depositors, 1,940 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . Three years. 

Largest amount invested in the stock of any one bank, . . . $5,800 00 

Average annual expenses, 1,068 00 



WEYMOUTH & BRA1NTREE INSTITUTION FOR SAVINGS— WEYMOUTH. 

[June 22.] 
John W. Loud, President. Treasurer, Amos S. White. 



Deposits, 


$602,870 33 




Profits, ....... 


9,013 65 




Public Funds, 




$113,500 00 


Bank Stock, 




66,200 00 


Railroad Bonds, ..... 




10,000 00 


Loans on Real Estate, .... 




365,177 00 


on Personal Security, 




32,448 00 


to Counties, Cities and Towns, 




15,300 00 


Cash on hand, 




9 258 98 




$611,883 98 


$611,883 98 



Number of Depositors, 2,165 

Rate of ordinary dividends for the last } T ear, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $40,000 00 

Average annual expenses, 1 100 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



83 



WINCHENDON SAVINGS BANK— WINCHENDON. 

[May 18.] 
E. Mukdock, Jr., President. Treasurer, C. L. Beals. 



Deposits, 


$366,048 64 




Interest, 


9,476 


83 




Public Funds, ...... 






$64,500 00 


Bank Stock, ...... 






34,000 00 


Railroad Bonds, 






969 90 


Loans on Real Estate, .... 






107,447 36 


on Personal Security, 






120,400 32 


to Counties, Cities and Towns, 






41,000 00 


Premium Account, ..... 






1,000 00 


Expense Account, . . . 






1,571 97 


Cash on hand, 






4,635 92 




$375,525 47 


$375,525 47 



Number of Depositors, 1,493 

Rate of ordinary dividends for the last year, . . . . . . 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $19,000 00 

Average annual expenses, 425 00 



WOBURN FIVE CENTS SAVINGS BANK— WOBURN. 

[December 26.] 



Stephen Dow, President. 



Treasurer, James N. Dow. 



Deposits, . . . . * . 


$278,788 05 




Interest, .... 






2,675 52 




Public Funds, . 








$70,000 00 


Bank Stock, 








20,141 00 


Loans on Public Funds, . 








500 00 


on Bank Stock, 








5,000 00 


on Real Estate, 








106,450 00 


on Personal Security, 








75,900 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, 




1,472 57 








$281,463 57 


$281,463 57 



Number of Depositors, 2,023 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $6,070 00 

Average annual expenses, 1,221 64 



84 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WORCESTER COUNTY INSTITUTION FOR SAVINGS— WORCESTER. 

[April 11.) 
A. H. Bullock, President. Treasurer, Charles A. Hamilton. 



Deposits, 


$4,389,661 76 




Profits, ....... 


32,807 20 




Interest, ....... 


112,883 57 




Suspense Account, 


138 12 




Public Funds, 




$931,300 00 


Bank Stock, ...... 




718,500 00 


Loans on Public Funds, . 




24,000 00 


on Bank Stock, .... 




16,745 00 


on Real Estate, .... 




2,064,252 00 


on Personal Security, 




233,867 66 


on Railroad Stock, . . . 




4,300 00 


to Counties, Cities and Towns, 




434,800 00 


to Banks, on interest, 




101,188 82 


Expense Account, ..... 




2,530 00 


Cash on hand, ...... 




4,007 17 




14,535,490 65 


$4,535,490 65 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1868. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



14,121 
6 per cent. 



$63,600 00 
9,000 00 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

[April 4.] 



Charles L. Putnam, President. 



Treasurer, Clarendon Harris. 



Deposits, ....... 


$788,932 08 




Interest, . . . . 


25,325 20 


• 


Public Funds, 




$120,000 00 


Bank Stock, . . . . . . 




110,000 00 


Loans on Public Funds, .... 




8,400 00 


on Bank Stock, .... 




10,000 00 


on Real Estate, .... 




276,763 67 


on Personal Security, 




3,200 00 


to Counties, Cities and Towns, 




255,500 00 


Expense Account, 




575 43 


Cash on hand, ...... 




29,818 18 




$814,257 28 


$814,257 28 



Number of Depositors, '4 794 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 1,500 00 



1872.] 



PUBLIC DOCUMENT— No. 8. 



85 



WORCESTER MECHANICS' SAVINGS BANK— WORCESTER. 

[March 29.] 
Harrison Bliss, President. Treasurer, H. Woodward. 



Deposits, . . . 




11,959,075 51 




Interest, .... 


• • • 


15,196 88 




Public Funds, . 


• • • 




$373,200 00 


Bank Stock, 


• • • 




135,100 00 


Loans on Public Funds, . 


• • • 




15,350 00 


on Bank Stock, 


• • • 




5,460 00 


on Real Estate, 


• • • 




1,248,976 55 


on Personal Security, 


• • • 




118,879 50 


on Railroad Stock, . 


• • 




24,900 00 


to Counties, Cities and Towns, 




4,000 00 


Expense Account, 


• • • 




1,456 58 


Cash on hand, . 






41,949 76 




$1,974,272 39 


$1,974,272 39 



Number of Depositors, 5,186 

Rate. of ordinary dividends for the last year, 6 per cent. 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . . . $28,700 00 

Average annual expenses, 5,500 00 



WORCESTER NORTH SAVINGS INSTITUTION— FITCHBURG. 

[April 26.] 
Augustus Whitman, President. Treasurer, H. A. Willis. 



Deposits, 


$478,452 28 




Profits, ....... 


3,989 70 




Public Funds, . . . 




$29,756 25 


Bank Stock, ...... 




17,671 50 


Loans on Public Funds, .... 




4,000 00 


on Bank Stock, .... 




1,000 00 


on Real Estate, .... 




235,307 39 


on Personal Security, 




168,285 00 


to Counties, Cities and Towns, 




12,250 00 


Expense Account, 




686 92 


Cash on hand, ...... 




13,484 92 




$482,441 98 


$482,441 98 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . . . - . 



1,459 
6 per cent. 

$5,737 50 
700 00 



86 



BANK COMMISSIONER'S REPORT. 



[Jan. 



COLLATERAL LOAN COMPANY— BOSTON. 

[October 20.] 

Joseph S. Eopes, President. Cashier, E. B. Foster. 



Capital Stock, . 




$113,500 00 




Interest Account, 


. . 


4,669 45 




Dividend Account, . 


» . • 


1,031 50 




Bills Payable, . 


. 


8,000 00 




Keserve Account, 


. . 


686 98 




Storage Account, 


• • . 


30 50 




Loans with pledge of Goods an 


d Chattels, 




$102,062 28 


United States Bonds, 


■ • . 




7,110 32 


Furniture and Fixtures, . 


. . 




1,000 00 


General Interest Account, 


i . • 




203 51 


Insurance Account, . 


. . 




291 08 


Profit and Loss Account, . 


• . • 




10,494 41 


Expense Account, 


> .* 




2,703 76 


v>asn, . • . . 






4,053 07 




$127,918 43 


$127,918 43 



Amos A. Lawrence, President 



NEW ENGLAND TRUST COMPANY— BOSTON. 

[October 19.] 

Actuary, Jacob H. Loud. 



Capital Stock, . 

Deposits, .... 

Interest, . . 

Trust Accounts, 

Due on mortgage loan, 

Investments of Capital Stock, 

of Deposits, . 

of Trusts, 
Expense Account, 
Cash, . . . 



$500,000 00 

3,841,528 89 

53,356 68 

75,000 00 

25,000 00 



$4,494,885 57 



$500,000 00 

3,392,695 80 

57,820 00 

11,359 24 

533,010 53 



:,494,885 57 



Investments. 

United States Bonds, . . . . . . . . $114,500 00 

State and City Bonds, 21,147 50 

Railroad Bonds, . 456,406 24 

Loans on Real Estate, 237,727 50 

Notes Receivable, . 2,051,384 56 

Demand Loans, 1,069,350 00 

$3,950,515 80 



1872.] 



PUBLIC DOCUMENT— No. 8. 



8T 



WORCESTER SAFE DEPOSIT AND TRUST COMPANY— WORCESTER. 

[October 26.] 



George M. Rice, President. 



Capital Stock, ...... 


$200,000 00 




Deposits, . 


.... 


1,171,366 26 




Bills Payable, . 


.... 


11,848 27 




Interest Account, 


.... 


5,054 86 




Exchange Account, , 


.... 


60 09 




Commissions, 


.... 


417 68 




Safe Rental, 


> • . . . 


2,405 38 




Deposit Premium, 


• • • • 


617 21 




Profit and Loss, 


.... 


4,367 77 




Surplus Fund, . 


i . . . • 


13,000 00 




Dividend Account, 


. . . . . 


296 00 




United States Bonds, .... 




$144,300 00 


State, City and Town Bonds, . 




82,312 50 


Railroad Bonds, 




152,000 00 


Bank Stock, . . . . 




86,905 50 


Railroad Stock, 




47,380 00 


Factory Stock, taken to secure indebtedness, 




14,000 00 


Loans, 




791,843 01 


General Expense Account, 




3,344 19 


Tax Account, 




1,711 84 


Furniture and Fixtures, .... 




9,000 00 


Premium Account, ..... 




21,296 52 


Coupons, 




941 98 


Clearing House Deposit, .... 




700 00 


Cash, 




53,697 98 




$1,409,433 52 


$1,409,433 52 






$39,100 00 


on Notes Receivable, . 


• • • 


560,843 01 


on United States Bonds, 


• _.-•• 


29,100 00 






162,800 00 






$791,843 01 



Secretary, Samuel T. Bigelow. 



Abstract 



OF THE 



ANNUAL RETURNS 



OF THE 



Savings Banks, 



i 87 i 



12 



90 



BANK COMMISSIONER'S REPORT. 



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PUBLIC DOCUMENT— No. 8. 



91 





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115 





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1872.] 



PUBLIC DOCUMENT— No. 8, 



117 



CD 


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1872.] 



PUBLIC DOCUMENT— No. 8. 



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BANK COMMISSIONER'S REPORT. 



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1872.] 



PUBLIC DOCUMENT— No. 8. 



123 





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156 



BANK COMMISSIONER'S REPORT. 



[Jan, 



AGGKEGATES. 



1871. 

One hundred and 

sixty Savings 

Banks. 



181©. 

One hundred and 

thirty-nine Savings 

Banks. 



Number of Depositors, 

Amount of Deposits, .... 

Number of Deposits during the last year 

Amount of the same, 

Number of Deposits during the last year of 

and exceeding $300 at one time, . 
Amount of the same, 
Number of withdrawals during the last year 
Amount of the same, .... 

Number of accounts opened during the last 

year, 

Number of accounts closed during the last 

year, 

Amount of surplus on hand, 

Public Funds, 

Loans on public funds, 

Bank Stock, ..... 

Loans on bank stock, 

Deposits in banks, bearing interest, . 

Railroad Bonds, .... 

Loans on railroad stock, 

Invested in real estate, 

Loans on mortgage of real estate, 

Loans to counties, cities and towns in Mas 

sachusetts, . . . 
Loans on personal security, 

Cash on hand, 

Average rate of ordinary Dividends for the 

last year, . . 
Aggregate amount of ordinary Dividends 

for the last year, .... 
Annual Expenses of the institution, . 



561,201 
1163,704,077 54 
634,359 

$58,409,503 79 

45,684 
$26,992,748 51 
337,985 

$34,888,870 82 



488,797 
$135,745,097 54 
506,873 
$47,281,303 70 

37,249 
$21,356,204 33 

280,549 
$28,136 078 80 



146,664 

73,986 

$2,894,043 45 

24,918,341 22 

1,150,476 60 

16,046,834 89 

1,275,945 19 

1,313,403 94 

2,259,957 85 

468,352 66 

1,700,325 32 

74,396,622 97 

14,221,097 10 

25,995,562 34 

1,371,898 04 

6-^ per cent. 

$8,103,004 24* 
429,080 09 



121,999 

64,907 

$2,487,174 05 

27,991,479 30 

1,873,396 95 

14,252,653 38 

1,149,571 35 

1,635,054 03 

1,840,747 02 

511,240 00 

1,392,513 66 

53,034,566 56 

11,926,503 37 

21,045,105 62 

1,785,479 95 

61 per cent. 

$6,725,428 67f 
375,734 09 



The item " Public Funds" includes, only bonds of the United States, of the New England States 
and New York, and of New England cities not in this State,— all Massachusetts town and city bonds 
being excluded, and classed with loans to counties, cities and towns. The investment in United States 
bonds is $20,682,990 72. 

* Calculated on the returns of 141 Banks,— 19 Banks not having declared dividends when thesr 
returns were made. 

t Calculated on the returns of 132 Banks. 



1872.J 



PUBLIC DOCUMENT— No. 8. 



157 



The following statements were duly made to the Commissioner 
of Savings Banks, in accordance with provisions of the several 
Acts establishing the Collateral Loan Company of Boston, the 
Worcester Safe Deposit and Trust Company, and the New Eng- 
land Trust Company : — 



CONDITION OF THE COLLATERAL LOAN COMPANY, 

October 28, 1871. 



Capital Stock, 


$113,500 00 




Dividend account, 


971 50 




Reserve account, ...... 


341 49 




Net profits (estimated), . . 


4,007 17 




Notes payable, ....... 


2,000 00 




Proceeds of auction sale, .... 


5,800 34 




Estimated expenses, due but not paid, . 


674 00 




Loans on pledge of goods and chattels, . 




$100,410 74 


Interest accrued but not paid (estimated), 




9,300 00 


Deposits in bank, . . . . . . 




1,050 70 


United States bonds, 




10,000 00 


Tax account, ...... 




1,177 96 


Vault, safes, furniture and fixtures, 




1,000 00 


Cash on hand, ...... 




4,355 10 




$127,294 50 


$127,294 50 



Dr. 



Profit and Loss Fund. 



1870. July 1. Balance of losses, 

1871. July 1. Amount of losses, 



Less surplus unclaimed, 
Balance of loss • 



$15,793 44 
1,589 04 

$17,382 48 
668 07 

$16,714 41 



158 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Statistics connected with the Company 



Whole number of loans, 
Number of loans in 1869, 
Number of loans in 1870 



89,427 
6,475 
7,216 



Total amount of loans to date • $2,587,888 77 

Total amount paid in on loans for the same time . . . . 2,487,478 03 

Amount of interest earned on loans since last report, . . . 19,836 04 

Amount of interest on loans paid since last report . . . 20,392 95 

Interest earned on loans but not paid in, 9,300 00 

Dividends declared for 1871, for six months, four per cent. 

Estimated number of articles loaned on, 1,580,931 

Sixty out of every 100 of the loans made are $10 and under. 

Thirty-one out of every 100 of the loans the interest is twenty cents and 
under. 

Eighteen out of every 100 of the loans the interest is ten cents and under. 

Twelve out of every 100 of the loans the interest is five cents and under. 

Four out of every 100 of the loans the interest is only one cent. 

Average length of credit taken by the pledgers is three months and twelve 
days. 

Average amount of interest received on each loan is two dollars eighty-four 
cents seven mills. 

Average amount loaned to each person, $30.86. 



1872.] PUBLIC DOCUMENT— No. 8. 159 



CONDITION OF THE WORCESTER SAFE DEPOSIT AND TRUST 

COMPANY, 

October 31, 1871. 

Capital Stock, $200,000 00 

Deposits, including certificates of deposits, 1,135,579 90 

$1,335,579 90 

Number of Depositors, including holders of certificates, 1,153 

United States Bonds, . . . . . . $144,400 00 ■ 

State of Maine Bonds, 1,000 00 

City of Bath Bonds, . . . . . . 13,312 50 

Town of Holyoke Bonds, 68,000 00 

226,712 50 

Central National Bank Stock, New York, . . $21,200 00 
Ninth National Bank Stock, New York, . . 11,255 00 

Commerce, Boston, 12,550 00 

Redemption, Boston, 14,075 00 

Market, Boston, . . . . . . . 12,050 00 

Tremont, Boston, . . . . . . . 13,800 00 

Howard, Boston, 1,975 50 

86,905 50 

Boston and Albany Railroad Stock, 47,380 00 

Vermont Central and Vermont and Canada Railroad Bonds, . 152,000 00 

Loans on corporation notes, $512,099 75 

on notes of individuals, with collateral, . 78,300 00 

on mortgages of real estate, . . . 162,800 00 

753,199 75 

Cash on hand, . 43,376 80 

Dividend July 1, 1871, 4 per cent , 8,000 00 

October 1, 1871, 2 per cent., 4,000 00 



160 BANK COMMISSIONER'S REPORT. [Jan. 



CONDITION OF THE NEW. ENGLAND TRUST COMPANY, 

October 18, 1871. 

Capital Stock, $500,000 00 

Money in trust and on deposit, . . . . . . . 3,941,528 89 

$4,441,528 89 

Number of Depositors, including holders of certificates, . 571 

United States Bonds, $114,500 00 

Railroad Bonds, . . . . . . . 456,406 24 

Massachusetts Bonds, 2,015 00 

City of Boston Bonds, 19,132 50 

592,053 74 

Loans on call, with collateral, .... $1,069,350 00 
on mortgages of real estate in Massachusetts, 237,727 50 
on notes with collateral or two sureties, . 2,051,384 56 

3,358,462 06 

Cash in bank in Boston, $522,392 65 

in office, ....... 10,617 88 

533,010 53 



1872.] 



PUBLIC DOCUMENT— No. 8. 



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PUBLIC DOCUMENT— No. 8. 



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164 



INDEX. 



INDEX TO THE ANNUAL RETURNS. 













[locations.] 












Page. 
Abington, 148 


Page. 
Fitchburg, . . . . . .120 


Adams, 










136 


Foxborough, 










140 


Amesbury, . 










96 


Framingham, 










108 


Amherst, 










128 


Franklin, 










140 


Andover, 










96 


Gardner, 










120 


Arlington, 










-106 


Georgetown, 










98 


Ashburnham, 










118 


Gloucester, . . 










98 


Athol, . 










118 


Grafton, 










120 


Attleborough, 










144 


Great Barrington, 










136 


Barnstable, . 










152 


Greenfield, . 










134 


Barre, . 










118 


Groveland, . 










98 


Beverly, 










96 


Haverhill, 










98-100 


Boston, . 










90-96 


Harwich, 










152 


Braintree, 










138 


Haydenville, 










128 


Brighton, 










106 


Hingham, 










. 150 


Brookline, 










138 


Holyoke, 










. 130 


Cambridge, . 








1 


06-108 


Hopkinton, . 










. 110 


Canton, 










140 


Hudson, 










. 110 


Charlestown, 










108 


Hyannis, 










154 


Chelsea, 










96 


Hyde Park, . 










142 


Chicopee, 










130 


Ipswich, 










100 


Clinton, 










118 


Lancaster, 










120 


Cohasset, 










140 


Lawrence, . 










. 100 


Concord, 










108 


Lee, 










. 138 


Danvers, 










98 


Leicester, 










. 122 


Dedham, 










140 


Leominster, . 










. 122 


East Abington, 










148 


Lexington. . 










. 110 


East Bridgewater, 










. 150 


Lowell, . 








. 110-112 


Easthampton, 










. 128 


Lynn, . 








. 100-102 


Easton, 










. 148 


Maiden, 








. 112 


Fairhaven, . 










. 144 


Marblehead, . 








. 102 


Fall River, . 








] 


L44-146 


Marlborough, 










. 114 



INDEX. 



165 



Medford, . . . . . . 114 

Medway, 142 

Milford, . . . . . .122 

Millbury, 122 

Nantucket, 154 

Natick, 114 

New Bedford, ..... 146 

Newburyport, 102 

Newton, 114 

Northampton, . . . . . 130 
North Bridgewater, . . . . 150 
North Brookfield, .... 122 

Palmer, 132 

Peabody, . . . . . .104 

Pittsfield, .138 

Plymouth, . . . . .150 

Provincetown, 154 

Quincy, . . . . . . 142 

Kandolph, 142 

Reading, 114 

Rockport, 104 

Salem, 104 

Salisbury, . . . . . .106 

Sandwich, 154 

Scituate, ...... 152 

Shelburne, 136 

Southbridge, 124 



South Adams, 

South Braintree, 

South Weymouth, 

South Scituate, 

Spencer, 

Springfield, 

Stockbridge, 

Stoneham, 

Taunton, 

Templeton, 

Uxbridge, 

Wakefield, 

Wales, . 

Waltham, 

Ware, . 

Wareham, 

Watertown, 

Webster, 

Wellfleet, 

Westborough 

Westfield, 

Weymouth, 

Winchendon 

Winchester, 

Woburn, 

Worcester, 



Page. 
136 

138 

142 

152 

124 

132 

138 

116 

148 

124 

124 

116 

134 

116 

130 

152 

116 

124 

154 

126 

134 

142-144 
126 
116 
118 

126-128 



PUBLIC DOCUMENT.'..... No. 8. 



ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAYINGS BAMS, 



INCLUDING THE 



ABSTRACTS OF RETURNS 



FROM THE 



SAVINGS INSTITUTIONS IN MASSACHUSETTS. 



1.8 7 2. 



. 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS 
19 Province Street. 

1873. 



* *- 



1*7 2. 



O 



eras. 



ANNUAL REPORT 



OF THE 



COMMISSIONEK OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

I have the honor to submit the Seventh Annual Report of 
the Commissioner of Savings Banks, with the abstract of the 
annual returns of the Savings Banks in the Commonwealth, 
exhibiting their condition on Saturday, the twenty-sixth day 
of October, in answer to the requisition of His Excellency 
the governor. 

Also statements of the Collateral Loan Company, the 
Worcester Safe Deposit and Trust Company, and the New 
England Trust Company, severally made to the Commis- 
sioner, in accordance with provisions in their charters. 

Twelve Savings Banks have been organized and com- 
menced business during the last year, namely : — 

Bridgewater Savings Bank, . . . Bridgewater. 

Broadway Savings Bank, . . . Lawrence. 

Brookfield Savings Bank, . . . Brookfield. 

Dukes County Savings Bank, . . Edgartown. 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



East Weymouth Five 

Bank, 
Holliston Savings Bank, 
Jamaica Plain Savings Bank 
Mechanics' Savings Bank, 
Miners' Savings Bank, 
Monson Savings Bank, 
North Avenue Savings Bank 
Orange Savings Bank 



Cents Savings 



East Weymouth. 

Holliston. 

West Roxbury. 

Holyoke. 

West Stockbridge. 

Monson. 

Cambridge. 

Orange. 



The present number of Savings Banks is one hundred and 
seventy-two, all of which, excepting four, quite recently 
established, have been examined during the year past, and 
an abstract of the examination is submitted. 

On the twenty-sixth day of October last, the date of the 
requisition for the animal returns, our Savings Banks held 



In Deposits, 
Surplus, 



Increase of deposits for the year 1872, 

Number of depositors, 

Increase, . . ' . 

Average to each depositor, . 

Increase of average, 

Amount of deposits during the year, ' 

Average of each deposit, 

Decrease of average, . 

Amount of withdrawals, 

Average of each withdrawal, 



$184,797,313 92 
3,045,247 21 

$187,842,561 13 

$21,093,236 38 

630,246 

69,045 

$293 21 

1 69 

$58,034,129 72 

82 65 

9 42 

43,895,674 16 

112 70 



Compared with last year the increase in deposits is nearly 
seven millions less ; and for the last three months the gain 
has been quite small. The deposits very nearly equal those 
of last year, but the withdrawals have been nine millions in 
excess of the amount paid out during the previous year. 

It is gratifying to notice the fact that the gain in the number 
of depositors is nearly as large as ever, while the number of 



1873.] PUBLIC DOCUMENT— No. 8. 5 

large deposits is somewhat diminishing. With a decrease of 
the rate of interest paid by the banks, which seems to be qnite 
certain, this unreliable class of deposits will continue to 
diminish until they become no more than a fair porportion of 
the whole amount. 

The rate of interest charged on loans made during the 
year has varied from seven to eight per cent. ; the average 
being somewhat less than seven and one-half per cent, on the 
whole loan. 

No return is now required of the rate of interest charged ; 
but as it is an important fact, indicating in what manner the 
privilege granted by the legislature is used, and how far 
public interests are promoted or regarded, I suggest that the 
banks be required to return the rates charged, and the 
aggregate of loans at each rate. 

No material change has been made in the investments. 
The amount of public funds, including government, state, 
city, and town bonds is somewhat less, and of bank stock 
and railroad bonds more than last year. 

The principal increase is shown in personal loans and loans 
on real estate ; of the first item it is over seven million 
dollars, and of the second over fifteen million. No losses of 
any considerable importance have heretofore arisen from 
loans on personal security ; yet they are generally, and I 
think properly, regarded as the least satisfactory of Savings 
Bank securities. The law excludes them entirely where in- 
vestments and loans can conveniently be made within the 
other prescribed limits ; and there seems to be no sufficient 
reason for modifying the law or evading its requirements. 

Within five years the per cent, of deposits loaned on mort- 
gage has increased from twenty-three to forty-eight per cent. 
It is the result of an unusual demand for capital in building, 
to meet the actual wants of a flourishing community, and, in 
part, the demand growing out of speculative operations in 
real estate, many of which seem, thus far, to be limited only 
by ability to borrow money, and not by any reasonable antic- 
ipation of future wants. 

During this period of five years, sixty -four savings banks 
have commenced business, and a large share of their deposits, 
in many instances quite as much as permitted by law, has 



6 BANK COMMISSIONER'S REPORT. [Jan. 

been placed in mortgage loans, because the income has been 
larger than from any other source. The older institutions 
have also made a large increase in similar loans, but not in 
the same proportion. 

My attention has been particularly called to this class of 
securities, believing unusual danger might exist of loaning 
upon an excessive valuation of property. In all cases care- 
ful inquiry has been made as to the proportion of value 
loaned, and the description of property taken, and wherever, 
from any cause, the security has been suspected to be objec- 
tionable it has been examined personally, or through the best 
evidence at command. 

The general rule of the banks, which seems to be adhered 
to with great uniformity in practice, limits loans on real 
estate to from fifty to seventy per cent, of estimated value at 
a forced sale, varying with the nature of the property -and the 
proportion represented in buildings where insurance is relied 
upon for security. 

Some loans have been made on cheap tenement blocks, on 
unsalable property, and of too large proportion of value, 
such as ought not to be held by savings banks, where the 
first consideration should be to obtain absolute security. 

It is proper to say, however, there are no loans where the 
trustees anticipate any or, at most, but unimportant losses ; 
and as a class the mortgage securities may be considered 
satisfactory. 

No reason exists for changing the opinion heretofore ex- 
pressed that the institutions are generally well managed, and 
all worthy of public confidence. They are of great public 
service in the aid furnished to all the industrial and social 
interests of the State. 

The banks now established are quite sufficient to afford 
reasonable facilities for the legitimate business of savings in- 
stitutions, with the possible exception of a very few localities. 
Where su.ch facilities now exist, to increase the number of 
banks will result in a disadvantage to those who. use them as 
depositors, because of needless expenses incurred; and they 
will be of no benefit to the public which can rightfully be 
sought through a savings bank organization. 

Under the general banking law of the State, the Chapin 



1873.] PUBLIC DOCUMENT— No. 8. 7 

Banking and Trust Company has been established this year, 
at Springfield, with a capital stock of five hundred thousand 
dollars, one-half of which was paid in before commencing 
business. 

It is proposed to transact the usual business of banks of dis- 
count without using circulating notes, and is, therefore, in 
that respect, an institution not contemplated by law. 

It is suggested that the law be so changed as to adapt it to 
the present currency of the country if it be thought advisable 
to encourage or permit banking corporations, without issue, 
under the law of the State. 

F. M. STONE. 

December 31, 1872. 



ABSTRACT 



OF 



OF THE 



SAVINGS BANKS, BANKING AND TRUST 

COMPANIES. . 

1872. 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ABINGTON SAVINGS BANK— ABINGTON 

[July 25.] 
Z. N. Whitmarsh, President. 



Treasurer, J. N. Farrar. 



Deposits, 


$686,252 97 




Interest, . 


. . 


34,368 71 




Public Funds, . 


• • • 




$181,778 33 


Bank Stock, 


, , , 




38,700 00 


Railroad Bonds, 


. i • 




70,903 90 


Loans on Public Funds, 


• • • 




15,415 00 


on Bank Stock, 


. • . 




9,570 00 


on Real Estate, 


• • ■ 




307,294 66 


on Personal Security, 




80,845 00 


to Counties, Cities and Towns, 




10,800 00 


to Banks, on interest, . 




3,098 38 


Cash on hand, . . .-••'. 




2,216 41 






$720,621 68 


$720,621 68 



Number of Depositors, 2,461 

Rate of ordinary dividends for the last year, , . . . 6 per cent. 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $10,600 00 

Average annual expenses, 1,400 00 



AMESBURY SAVINGS BANK— AMESBURY. 

[October 9.] 
John S. Poyen, President. Treasurer, J. L. Pearson. 



Deposits, .... 
Interest, .... 
Loan on Real Estate, 
Loans on Personal Security, 
to Banks, on interest, 
Expense Account, . ' 
Cash on hand, . 




$15,100 00 

11,076 12 

3,531 47 

149 54 

106 61 



,963 74 



Number of Depositors, . ^ 211 

Rate of ordinary dividends for the last year, 3 per cent. 

Average annual expenses, $120 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



11 



AMHERST SAVINGS BANK-AMHERST. 
[May 14.] 
Enos F. Cook, President. 



Treasurer, Samuel C. Carter. 



Deposits, 


|275,052 40 




Profits, 


. . 


3,833 48 




Public Funds, . 


• • t 




$22,000 00 


Bank Stock, 


. . . 




6,000 00 


Railroad Bonds, 


i • . 




8,500 00 


Loans on Public Funds, 


• . • 




1,670 00 


on Bank Stock, 


• • > 


> 


3,200 00 


on Real Estate, 


. . . 




146,510 00 


on Personal Security, 




43,502 62 


on Railroad Stock, 




900 00 


to Counties, Cities and Towns, 




43,000 00 


Expense Account, 




685 22 


Cash on hand, 




2,918 04 


• 




$278,885 88 


$278,885 88 



Number of Depositors, . . 1,543 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

No extra dividends. 

Average annual expenses, 



ANDOVER SAVINGS BANK— ANDOVER. 

[October 18.] 
Nathaniel Swift, President. ■ • Treasurer, John F. Kimball. 



Deposits, . . . . 


$930,167 


12 




Profits, 


24,427 


01 




Public Funds, . . 






$257,500 00 


Bank Stock, 






100,200 00 


Loans on Public Funds, .... 






13,500 00 


on Real Estate, ..... 






173,513 78 


on Personal Security, 






52,935 00 


to Counties, Cities and Towns, 






348,000 00 


to Banks, on interest, . 






6,594 03 


Cash on hand, . . . 






2,351 32 




$954,594 


13 


$954,594 13 



Number of Depositors, 2,660 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 1,400 00 



12 



BANK COMMISSIONER'S EEPOET. [Jan. 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

[December 12.] 
Samuel Buttereield, President. Treasurer, Wm. Procter. 



Deposits, . 


|403,818 24 




Profits, 


2,913 27 




Interest, 


10,603 08 




Public Funds, 




|50,000 00 


Bank Stock, 




13,235 00 


Loans on Real Estate, .... 




295,305 00 


on Personal Security, 




31,325 00 


to Counties, Cities and Towns, 




21,000 00 


Expense Account and Taxes, . 




725 73 


Cash on hand, 




5,743 86 




$417,334 59 


$417,334 59 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in 

Largest amount invested in the stock of any one hank, 

Average annual expenses, 



1,583 
6 per cent. 

Three years. 

$5,955 75 
650 00 



ASHBURNHAM SAVINGS BANK— ASHBURNHAM. 

[May 4.] 
Geo. C. "Winchester, President. Treasurer, Geo. W. Eddy. 



Deposits, .... 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Dividend Account, . 
Expense Account, . 
Cash on hand, . 




>2,400 00 

1,600 00 

14 00 

11 28 

119 85 



$4,145 13 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 



47 
6 per cent. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



13 



ATHOL SAVINGS BANK— ATHOL. 

\ [May 4.] 

Charles C. Bassett, President. Treasurer, Alpheus Harding. 



Deposits, 


|485,921 87 




Interest, . 


. . . 


1,790 59 




Public Funds, . 


. • . 




$10,000 00 


Bank Stock, 


. . . 




5,310 00 


Railroad Bonds, 


. . • 




5,231 87 


Loans on Public Funds, 


■ • . 




8,550 00 


on Bank Stock, 


. ■ . 




29,000 00 


on Real Estate, 


• • . 




224,345 87 


on Personal Security, 




125,975 80 


on Railroad Stock, 




7,666 66 


to Counties, Cities and Towns, 




56,880 00 


Taxes, 




619 57 


Expense Account, 




574 11 


Cash on hand, 




13,558 58 






$487,712 46 


$487,712 46 



Number of Depositors, 1,966 

Kate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $3,600 00 

Average annual expenses, . . . . ... . . 1,500 00 



ATTLEBOROUGH SAVINGS BANK— ATTLEBOROUGH. 

[August 6.] 



Henry Bice, President. 



Treasurer, E. R. Price. 



Deposits, ...... 

Interest, 

Loans on Real Estate, 

on Personal Security, ". 

to Counties, Cities and Towns, 
Cash on hand, ..... 



$198,118 58 
5,935 80 



$204,054 38 



$95,325 00 
69,550 00 
21,025 00 
18,154 38 



$204,054 38 



Number of Depositors, 728 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends. 

Average annual-expenses, $150 00 



14 



BANK COMMISSIONERS EEPOET. [Jan. 



BARNSTABLE SAVINGS BANK— BARNSTABLE. 

[August 2.] 

John Monroe, President. Tre&surer, Daniel Scuddee. 



Deposits, ..... 


$1,312,428 79 




Dividend Account, . 








27,194 68 




Suspense Account, . 








106 35 




Bills Payable, . 








7,265 57 




Public Funds, . 










|90,000 00 


Bank Stock, 










234,600 00 


Real Estate, 










3,500 00 


Loans on Real Estate, 










768,959 60 


on Personal Security, 








180,644 84 


to Counties, Cities and Towns, 




21,000 00 


Cash on hand, . 




48,290 95 










$1,346,995 39 


$1,346,995 39 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . ... 



3,608 
7 per cent. 

$22,400 00 
3,000 00 



BARRE SAYINGS BANK— BARRE 

[May 3.] 
Charles Brimblecom, President. 



Treasurer, Edwin Woods. 



Deposits, 


|188,347 


19 




Interest, 


4,150 


56 




Public Funds, 






$4,330 00 


Bank Stock, . . . . 






83,420 67 


Loans on Public Funds, . . ., 






200 00 


on Real Estate, .... 






59,650 00 


on Personal Security, 






30,920 34 


to Counties, Cities and Towns, 


• 




13,000 00 


Expense Account, 






246 17 


Cash on hand, . . . 






730 57 




$192,497 


75 


$192,497 75 



Number of Depositors, 758 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $5,090 00 

Average annual expenses, 200 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



15 



BENJAMIN FRANKLIN SAVINGS BANK— FRANKLIN. 

[November 6.] 

Davis Thayer, Jr., President. Treasurer, C. W. Stewart. 



Deposits, .... 

Interest, .... 

Public. Funds, 

Bank Stock, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



3,959 69 
4,365 68 



,325 37 



$1,815 00 

12,477 12 

989 00 

40,125 00 

5,550 00 

823 29 

6,545 96 



,325 37 



Number of Depositors, 367 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $3,802 50 

Average annual expenses, 519 96 



BERKSHIRE COUNTY SAVINGS BANK— PITTSFIELD. 

[May 30.] 
Julius Rockwell, President. . Treasurer, Robert W. Adam. 



Deposits, 


11,622,624 86 


, 


Profits, 


25,608 86 




Public Funds, . . . . . . 




$303,000 00 


Bank Stock, 




99,120 00 


Loans on Public Funds, .... 




24,500 00 


on Bank Stock, .... 




66,860 00 


on Real Estate, .... 




672,595 34 


on Personal Security, . 




327,430 09 


on Railroad Stock, 




800 00 


to Counties, Cities and Towns, 




145,800 00 


Expense Account, - . . . . 




1,729 98 


Cash on hand, 




6,398 31 




$1,648,233 72 


$1,648,233 72 



Number of Depositors, 4,928 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,000 00 

Average annual expenses, 5,000 00 



16 



BANK COMMISSIONERS EEPOET. 



[Jan. 



BEVERLY SAVINGS BANK- 

[August 21.] 
Wm. Endicott, President. 



-BEVERLY. 



Treasurer, R. G. Bennett. 



Deposits, 


$401,691 65 




Interest, 


5,344 17 




Public Funds, 




$6,128 50 


Bank Stock, 




78,031 86 


Loans on Public Funds, .... 




12,250 00 


on Bank Stock, .... 




8,700 00 


on Real Estate, . . . . 




255,773 00 


on Personal Security, 




7,650 00 


to Counties, Cities and Towns, 




30,000 00 


Expense Account, 




1,850 83 


Cash on hand, . . . . . 




6,651 63 




$407,035 82 


$407,035 82 



Number of Depositors, . . 1,800 

Rate of ordinary dividends for the last year, . . . . .6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $7,192 00 

Average annual expenses, . . 800 00 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON 
[March 12.] 
Paul Adams, President. 



Treasurer, A. H. Evans. 



Deposits, 


$10,079,431 24 




Profit and Loss Account, 








138,523 15 




Interest, . 








250,138 75 




Suspense Account, . 








5,961 09 




Public Funds, . 










$2,004,000 00 


Bank Stock, 










422,987 50 


Railroad Bonds, 










140,000 00 


Real Estate, 










103,520 50 


Loans on Public Funds, 










10,000 00 


on Bank Stock, 










57,000 00 


on Real Estate, 










6,115,400 00 


on Personal Security, 








593,000 00 


to Counties and Towns, 








567,800 00 


to Banks, on interest, 








412,479 34 


Expense Account, 








37,740 46 


Cash on hand, . 








10,126 43 










$10,474,054 23 


$10,474,054 23 



Number of Depositors, 60,474 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1869. 

Elxtra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $ 64,900 00 

Average annual expenses, 18,639 97 



1873.] 



PUBLIC DOCUMENT— No. 8. 



17 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[March 7.] 

Daniel Harwood, President. Treasurer, Henry R. Reynolds. 



Deposits, . 


$938,492 89 




Profits, 










1,478 98 




Interest, . 










6,954 35 




Public Funds, . 












$50,000 00 


Bank Stock, 












22,000 00 


Railroad Bonds, 












10,000 00 


Real Estate, 












118,316 43 


Loans on Public Funds, 










1,000 00 


on Bank Stock, 










43,400 00 


on Real Estate, 










584,379 57 


on Personal Security, 








97,700 00 


on Railroad Stock, 








1,000 00 


to Banks, on interest, 








8,216 93 


Expense Account, . 








6,954 35 


Cash on hand, .... 








3,958 94 












$946,926 22 


$946,926 22 



Number of Depositors, 7,869 

Rate of ordinary dividends for the last year, • 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,591 25 

Average annual expenses, . . . . • 5,000 00 



BRAINTREE SAVINGS BANK— BRAINTREE. 

[September 26.] 



E. A. Hollings worth, President. 



Treasurer, C. H. Hobart. 



Deposits, . . . . 


$20,832 85 




Interest, . . . 


100 07 




Bank Stock, . . . . 




$920 50 


Loans on Real Estate, .... 




13,219 50 


on Personal Security, . 




1,200 00 


to Counties, Cities and Towns, 




1,500 06 


Expense Account, 




. 206 76 


Cash on hand, . 




3,886 10 




$20,932 92 


$20,932 92 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 



178 
6 per cent. 



18 



BANK COMMISSIONER'S EEPORT. 



[Jan. 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[March 22.] 
James Dana, President. . Treasurer, J. L. Ordway. 



Deposits, . 




$134,260 19 




Profits, 


. 






2,272 75 




Interest, . 


. 






442 23 




Dividend Account, 


. 






2,363 39 




Bills Payable, . 


. 






483 25 




Public Funds, . 


, 








$24,935 87 


Bank Stock, 


, 








16,817 25 


Loans on Bank Stock 


L, . « 








550 00 


on Real Estate 


•) 








92,550 00 


on Personal S< 


scurity, 








4,000 00 


Expense Account, 


. 








83 33 


Suspense Account, 


• 








885 36 










$139,821 81 


$139,821 81 



Number of Depositors, 669 

Rate of ordinary dividends for the last year, . . . . . 5 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $5,845 50 

Average annual expenses, . . 500 00 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 

[July 26.] 
Joseph "Wilbor, President. Treasurer, Charles H. Atwood. 



Deposits, 


$2,455,491 88 




.Profits, 


.... 


41,055 84 




(Interest, . 


• • • . 


55,548 02 




^Public Funds, . 


.... 




$185,000 00 


Bank Stock, 


. . . . 




47,584 00 


Railroad Bonds, 


• . 




9,000 00 


Real Estate, 


.... 




4,000 00 


Loans on Public Funds, .... 




2,600 00 


on Bank Stock, .... 




3,800 00 


on Real Estate, .... 




1,501,397 80 


on Personal Security, 




683,531 46 


on Railroad Stock, .... 




31,000 00 


to Counties, Cities and Towns, 




59,000 00 


Expense Account, 




1,741 22 


Cash on hand, ... 




23,441 26 






$2,552,095 74 


$2,552,095 74 



Number of Depositors,, . . . . • 7,740 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $14,477 00 

Average annual expenses, 6,500 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



19 



BRIDGEWATER SAVINGS BANK— BRIDGE WATER. 

[Sept. 4.] 

J. A. Hyde, President. Treasurer, Samuel P. Gates. 



Deposits, .... 

Interest, .... 

Bank Stock, . . 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



f20,457 24 
78 03 



$20,535 27 



^5,024 49 
1,250 00 
9,400 00 
1,500 00 
87 05 
3,273 73 



,535 27 



Number of Depositors, 
Commenced business May 1, 1872. 



147 



BROADWAY SAVINGS BANK— LAWRENCE. 
[Oct. 4.] 



John Fallon, President. 



Treasurer, James Payne. 



Deposits, . 
Interest, 
Bank Stock, 
Loans on Bank Stock, 
on Real Estate, 
Expense Account, 
Cash on hand, . 



|91,400 61 
2,055 63 



,436 24 



|34,954 38 

2,250 00 

39,484 67 

450 32 

16,296 87 



$93,436 24 



Number of Depositors, 

Largest amount invested in any one bank, 

Commenced business May 1, 1872. 



513 

$14,415 75 



20 



BANK COMMISSIONER'S REPORT. [Jan. 



BROOKLINE SAVINGS BANK— BROOKLINE. 

[NOV. 2.} 
George Atkinson, President. Treasurer , F. "W. Prescott. 



Deposits, . 

Interest, .... 

Guarantee Fund, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 




$5,370 00 

20,3$0 00 

18,000 00 

924 81' 

1,347 17 



$45,991 98 



Number of Depositors, . 475 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Extra dividends made once in Two years. 



CAMBRIDGE SAVINGS BANK— CAMBRIDGE. 

[Oct. 19.] 
John B. Dana, President. Treasurer, Eben Snow. 



Deposits, 


$1,313,957 


68 




Interest, 


• . • . 


11,907 


87 




Public Funds, . 


... 






$25,000 00 


Bank Stock, 


* 






37,946 88 


Loans on Public Funds, 


... 






3,000 00 


on Bank Stock, 


• • . 






2,000 00 


on Real Estate, 


... 






1,028,573 00 


on Personal Security, 






116,900 00 


to Counties, Cities and Towns, 






97,854 17 


Expense Account, . * . 


• 




2,532 96 


Cash on hand, 


v 




12,058 54 






$1,325,865 


55 


$1,325,865 55 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 

Last dividend of reserved profits, in 1870. 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,936 
6 per cent. 



$11,885 88 
2,200 00 



1873,] 



PUBLIC DOCUMENT— No. 8. 



21 



CAMBRIDGEPORT SAVINGS BANK— CAMBRIDGEPORT. 

[Oct. 1.] 



Benjamin Tilton, President. 



Treasurer, Edward Hyde. 



Deposits, . . . . 
Interest, ..... 
Bills Payable, . 
Public Funds, .• 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



.,285,042 17 
22,159 47 
22,000 00 



.,329,201 64 



$57,000 00 

41,256 33 

1,033,315 

186,187 

9,551 

1,891 



00 
25 
08 
98 



.,329,201 64 



Number of Depositors, 4,167 

Rate of ordinary dividends for the last year, . . . . . ,6 per cent. 
Last dividend of the reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one hank, . . . $8,274 75 

Average annual expenses, 3,000 00 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[June 14.] 



Charles H. French, President. 



Treasurer, F. "W. Dean. 



Deposits, 


$228,972 42 




Profits, 


, 






3,167 48 




Interest, . 


, 






4,618 98 




Suspense Account, 


, 






22 62 




Public Funds, . . 


, 








$25,000 00 


Bank Stock, 


, 








8,900 00 


Railroad Bonds, 


, 








5,000 00 


Loans on Bank Stock, 








9,000 00 


on Real Estate, 








112,790 00 


on Personal Security,. 








73,600 00 


Expense Account, 








859 99 


Cash on hand, . . 








1,631 51 










$236,781 50 


$236,781 50 



Number of Depositors, ......... 978 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,700 00 

Average annual expenses, . . . 725 00 



22 



BANK COMMISSIONERS EEPOET. 



[Jan. 



Gorham P. Low, President. 



CAPE ANN SAVINGS BANK— GLOUCESTER. 
[Aug. 23.] 



Treasurer, A. Presson. 



Deposits, . . . .... 


$768,452 03 




Profits, 






15,109 81 




Public Funds, . 








$132,000 00 


Bank Stock, 








121,703 16 


Railroad Bonds, 








20,334 43 


Loans on Real Estate, 








350,098 66 


on Personal Security, 








16,350 00 


to Counties, Cities and Towns, 




137,018 75 


Cash on hand, . . . ... 




6,056 84 


• 






$783,561 84 


$783,561 84 



Number of Depositors, 3,028 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profit, in 1871. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one hank, . . . $10,698 50 

Average annual expenses, . . . 3,800 00 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 

[Aug. 1.] 



Josiah Hardy, President. 



Treasurer, Obed Brooks. 



Deposits, 


$403,266 99 




Profits, .... 






5,234 78 




Public Funds, . 








$500 00 


Bank Stock, 








26,760 00 


Railroad Bonds, 








10,000 00 


Loans on Real Estate, 








94,458 01 


on Personal Security, 








243,915 43 


to Counties, Cities and Towns, 




28,000 00 


Cash on hand, 




4,867 50 








$408,501 77 


$408,501 77 



Number of Depositors, 2,086 

Rate of ordinary dividends for the last year 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one hank, . . . , #15,671 75 

Average annual expenses, . 1,271 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



23 



O. H. Moulton, President. 



CENTRAL SAVINGS BANK— LOWELL. 
[Oct. 24.] 



Treasurer, J. N. Pierce. 



Deposits, .... 

Profits, 

Interest, .... 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$438,938 65 
2,453 71 
5,534 72 



$446,927 08 



$60,581 12 

310,502 62 

71,627 60 

1,545 67 

2,670 07 



$446,927 08 



Number of Depositors, . 1,357 

Rate of ordinary dividends for the last year, 5 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $12,600 00 

Average annual expenses, . . 800 00 



CHARLESTOWN FIVE CENTS SAVINGS BANK— CHARLESTOWN. 

[Dec. 4.] 



P. J. Stone, President. 



Treasurer, Amos Stone. 



Deposits, . 

Profits, 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
• on Personal Security, 

Cash on hand, . 



$2,194,009 66 
59,543 75 



$2,253,553 41 



$363,028 50 

200,000 00 

9,900 00 

18,900 00 

1,579,850 00 

76,700 00 

5,174 91 



52,253,553 41 



Number of Depositors, . 8,167 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $145,900 00 

Average annual expenses, 3,000 00 



24 



BANK COMMISSIONER'S REPORT. [Jan. 



John H. Osgood, President. 



CHELSEA SAVINGS BANK— CHELSEA. 
[Sept. 20.] 



Treasurer, J. F. Fellows. 



Deposits, 


$673,830 41 




Profits, ; . . 


17,056 


38 




Public Funds, 






$42,463 75 


Bank Stock, 






69,646 31 


Real Estate, 






12,913 50 


Loans on Real Estate, .... 






402,308 99 


to Counties, Cities and Towns, 






142,252 25 


Expense Account, . . . 






1,425 29 


Cash on hand, 






19,785 71 




$690,886 


79 


$690,886 79 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No* extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . ' . 



3,744 
6 per cent. 

$10,988 25 
2,447 86 



CHICOPEE SAVINGS BANK—CHICOPEE. 
[May 10.] 



Jerome Wells, President. 



Treasurer, H. H. Harris. 



Deposits, . 

Profits, 

Bills Payable, 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 



$375,060 67 
903.51 
871 82 



$376,836 00 



$15,000 00 

8,600 00 

296,353 00 

56,883 00 



$376,836 00 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,200 
6 per cent. 

$5,000 00 
1,300 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



25 



Joseph Osborn, President. 



CITIZENS' SAVINGS BANK— FALL RIVER. 

[Nov. 13.] 



Treasurer, E. E. Hathaway. 



Deposits, 


$1,775,368 79 




Profits, 


83,820 52 




Public Funds, ...... 




$161,000 00 


Bank Stock, 




285,891 55 


Loans on Real Estate, . 




454,555 00 


on Personal Security, 




936,470 00 


to Counties, Cities and Towns, 




2,998 75 


to Banks, on interest, 




12,000 00 


Expense Account, 




1,176 23 


Cash on hand, 




5,097 83 


• 


$1,859,189 31 


$1,859,189 31 



Number of Depositors, 2,806 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $80,000 00 

Average annual expenses, 3,000 00 



CITY FIVE CENTS SAVINGS BANK— HAVERHILL. 

[Sept. 5.] 



"W. R. Whittier, President. 



Treasurer, E. G. Wood. 



Deposits, 


$-365,676 02 




Interest, . . 


3,684 35 




Bank Stock, . . . 




$22,912 75 


Railroad Bonds, 




6.820 00 


Loans on Real Estate, .... 




432.065 86 


on Personal Security, 




75,111 40 


to Counties, Cities and Towns, 




17,000 00 


Tax Account, 




2,4 1 o7 53 


Expense Account, 




3,111 57 


Cash on hand, . . . . . . 




9,871 26 




$569,360 37 


569,360 37 



Number of Depositors, 3,236 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... . $16,539 00 

Average annual expenses, 1,500 00 



26 



BANK COMMISSIONER'S REPORT. [Jan. 



Nathan Allen, President. 



CITY INSTITUTION FOR SAVINGS— LOWELL. 
[March 26.] 



Treasurer, John A. Buttrick. 



Deposits, . 


13,061,895 91 




Profits, ....... 


172,948 06 




Public Funds, . . . 


* 


$82,668 00 


Bank Stock, ....'.. 




580,801 23 


Railroad Bonds, ..... 




145,000 00 


Loans on Bank Stock, .... 




22,950 00 


on Real Estate, ..... 




1,393,090 00 


on Personal Security, . 




311,100 00 


to Counties, Cities and Towns, 




650,900 00 


to Banks, on interest, . . 




46,782 76 


Cash on hand, 




1,551 98 




$3,234,843 97 


$3,234,843 97 



Number of Depositors, . 8,433 

Rate of ordinary dividends for the last year, . . . . . 5 per cent. 
Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $43,920 00 

Average annual expenses, . 6,000 00 



Franklin Forbes, President. 



CLINTON SAVINGS BANK— CLINTON. 
[April 23.] 



Treasurer, C. L. S. Hammond. 



Deposits, 


$451,245 48 




Profits, 








15 49 




Public Funds, . 










$100,000 00 


Bank Stock, 










34,418 13 


Loan* on Public Funds, 










8,175 00 


on Bank Stock, 










17,200 00 


on Real Estate, 










147,647 49 


on Personal Security, 








102,320 00 


to Counties, Cities and Towns, 




29,000 00 


Cash on hand, . . . . . 




12,500 35 

• • 










$451,260 97 


$451,260 97 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 
No extra dividends. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,702 
6 per cent. 

#20,000 00 
1,200 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



27 



Abraham H. Tower, President. 



COHASSET SAVINGS BANK— COHASSET. 
[Aug. 29.] 



Treasurer, L. N. Bates. 



Deposits, 


|333,371 95 




Public Funds, 




$17,000 00 


Bank Stock, . . . . . 




52,300 00 


Loans on Real Estate, .... 




234,225 00 


to Counties, Cities and Towns, 




18,000 00 


Profit and Loss Account, 




2,310 79 


Cash on hand, ...... 




9,536 16 




|333,371 95 


$333,371 95 



Number of Depositors, 919 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, . . 1,000 00 



Rufus Putnam, President. 



DANVERS SAVINGS BANK— DANVERS. 
[Oct. 25.] 



Treasurer, Wm. L. Weston. 



Deposits, 


$771,476 61 




Profits, .... 






2,659 43 




Public Funds, . 








$101,500 00 


Bank Stock, 








92,400 00 


Railroad Bonds, 








15,000 00 


Loans on Public Funds, . 








3,200 00 


on Bank Stock, 








19,085 00 


on Real Estate, 








425,682 65 


on Personal Security, 








105,794 50 


to Counties, Cities and Towns, 




9,830 00 


Cash on hand, 




1,643 89 








$774,136 04 


$774,136 04 



Number of Depositors, 2,521 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $20,000 00 

Average aunual expenses, " 1,300 00 



28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



DEDHAM INSTITUTION FOR SAVINGS— DEDHAM. 

[Feb. 20.] 



Thomas Barrows, President. 



Treasurer, Calvin Guild. 



Deposits, 


$910,995 08 




Profits, 








19,703 05 




Public Funds, .. 










$71,000 00 


Bank Stock, 










35,164 50 


Railroad Bonds, 










1,965 00 


Loans on Public Funds, 










1,950 00 


on Bank Stock, 










9,000 00 


on Real Estate, 










669,320 00 


on Personal Security, 








75,528 00 


on Railroad Stock, 








41,992 50 


to Banks, on interest, 








22,450 86 


Cash on hand, . 








-2,327 27 










$930,697 13 


$930,697 13 



Number of Depositors, ' . . . . 3,249 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $12,987 50 

Average annual expenses, • . . . . 2,881 37 



Wm. Pope, President. 



DORCHESTER SAVINGS BANK— DORCHESTER. 
[June 12.] 



Treasurer, Edward Pierce. 



Deposits, . 




$454,159 95 




Profits, 


.... 


7,405 86 




Interest 


... 


839 56 




Public Funds, . 


.... 




$19,436 00 


Bank Stock, 


.... 




38,968 50 


Railroad Bonds, 


• • . • 




24,664 23 


Real' Estate, 


. . . • 




6,000 00 


Loans on Ural Estate, 


• • • • 




287,277 18 


on Personal Security, 




63,883 00 


to Counties, Cities 


and Towns, 




8,000 00 


Expense Account, 


.... 




1,540 93 


Cash on hand, . 






12,635 53 




$462,405 37 


$462,405 37 



Number of Depositors, 1,467 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank . . . $5,492 00 

Average annual expenses, 1,500 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



29 



EAST ABINGTON SAVINGS BANK— EAST ABINGTON. 

[Sept. 24.] 



R. J. Lane, President. 



Treasurer, W. B. Studley. 



Deposits, . . 
Suspense Account, . 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Interest Account, 
Expense Account, . 
Cash on hand, . 



$215,592 73 
399 36 



$215,992 09 



$54,072 60 

2,049 00 

142,933 22. 

16,070 00 

293 29 

138 89 

435 09 



$215,992 09 



Number of Depositors, . . 863 

Rate of 'ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $9,800 00 

Average annual expenses, .' . 300 00 



P. M. Crane, President. 



EAST BOSTON SAVINGS BANK— EAST BOSTON. 
[March 8.] 



Treasurer, Albert Bowker. 



Deposits, 


$1,324,398 83 




Profits, 


* . • . 


7,639 72 




Interest, . 


. . . 


2,020 72 




Dividend Account, . 


... 


25,478 94 




Public Funds. . 


• . . 




$115,000 00 


Bank Stock, 


> • • . 




117,769 57 


Real Estate, 


• . . 


. 


8,290 37 


Loans on Public Funds, 


• • . 




39,700 00 


on Bank Stock, 


• • • 




3,800 00 


on Real Estate, 


... 




815,204 42 


on Personal Security, 




230,040 00 


to Counties, Cities and Towns, 




11,350 00 


to Banks, on interest, 




13,751 88 


Expense Account, . 




4 00 


Cash on hand, 




4,627 97 






$1,359,538 21 


$1,359,538 21 



Number of Depositors, . . . . • 4,490 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $23,619 00 

Average annual expenses, 4,000 00 



30 



BANK COMMISSIONER'S REPORT. [Jan. 



EAST BRIDGEWATER SAVINGS BANK— EAST BRIDGEWATER. 

[Sept. 4.] 



Henry Hobart, President. 



Treasurer, Isaac N. Nutter. 



Deposits, . 
Interest, . 
Bills Payable, . 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, . 

to Counties, Cities and Towns, 

Bank Safe, 

Expense Account, .... 
Cash on hand, . . . . . 



$17,632 31 

45 48 

1,050 00 



,727 79 



$2,097 50 

2,002 50 

10,500 00 

1,000 00 

2,413 75 

370 00 

169 83 

% 174 21 



,727 79 



Number of Depositors, 167 

Rate of ordinary dividends for the last year, . . • . . . 6 per cent. 

Extra dividends are made once in Five years. 

Average annual expenses, . . . $75 CO 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— EAST CAMBRIDGE. 

[Sept. 25.] 



George Stevens, President. 



Treasurer, John Savage, Jr. 



Deposits, 


$709,191 81 




Profits, 








27,080 66 




Interest, . 








21,137 36 




Public Funds, . 










$84,100 00 


Bank Stock, 










52,879 41 


Railroad Bonds, 










71,500 00 


Loans on Bank Stock, 










1,000 00 


on Real Estate, 










535,775 00 


Expense Account, . 










4,034 32 


Cash on hand, . 










8,121 10 










$757,409- 83 


$757,409 83 



Number of Depositors, . 4,918 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one hank, . . . $7,298 20 

Average annual expenses, 1,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



31 



EASTHAMPTON SAVINGS BANK— EASTHAMPTON. 

[May 8.] 



E. H. Sawyer, President 



Deposits, .... 

Profits, .... 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, . 

Cash on hand, . 



Treasurer, Charles E. Williams. 




$4,672 00 

2,700 00 

31,260 00 

35,000 00 

26 20 

5,893 79 



,551 99 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one hank, 



507 

6 per cent. 

Three years. 

$2,800 m 



EAST WEYMOUTH FIVE CENTS SAVINGS BANK— EAST WEYMOUTH. 

[Aug. 28.] 



John P. Lovell, President. 



Treasurer, N. Canterbury. 



Deposits, 

Interest, 

Loans on Real Estate, .... 

Expense Account, 

Cash on hand, . . . 


$8,492 97 
19 57 


$5,700 00 

147 79 

2,664 75 


> 


$8,512 54 


$8,512 54 


Commenced business April 1, 1872. 
* 




137 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Henry Bartlett, President. 



ELIOT FIVE CENTS SAVINGS BANK— BOSTON. 
[March 21.] 



Treasurer, Geo. C. Leach. 



Deposits, 


$788,485 03 




Profits, .... 






7,645 65 




nterest, .... 






11,201 68 




Public Funds, . 








$56,000 00 


Bank Stock, . 








55,400 00 


Eailroad Bonds, 








25,000 00 


Loans on Public Funds, . 








15,000 00 


on Bank Stock, 








10,800 00 


on Real Estate, 








512,281 67 


on Personal Security, . 








120,000 00 


Expense Account, . 








1,803 26 


Cash on hand, .... 








11,047 43 






i. 


$807,332 36 


$807,332 36 



Number of Depositors, 4,066 

Rate of ordinary dividends for the last year. . . . . . 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $13,000 00 

Average annual expenses, 3,741 70 



Patrick Donohoe, President. 



EMIGRANT SAVINGS BANK— BOSTON. 
[Feb. 29.] 



Treasurer, Thomas J. Gargan. 



Deposits, . 

Interest, . 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 
to Banks, on interest, 

Furniture, safe and fixtures, 

Expense Account, . 

Cash on hand, . 



.,053,252 47 

4,779 70 

273 74 



$1,058,305 91 



$145,850 00 

44,485 88 

9,000 00 

1,000 00 

691,863 00 

68,500 00 

83,134 68 

3,851 89 

5,932 36 

4,688 10 



$1,058,305 91 



Number of Depositors, 4,242 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $13,600 25 

Average annual expenses, 6,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



33 



ESSEX SAVINGS BANK— LAWRENCE. 

[October 4.] 
George D. Cabot, President. Treasurer, James H. Eaton. 



Deposits, 


$2,742,287 91 




Profits, . . . . . ■ . 


73,720 81 




Interest, 


71,809 76 




Public Funds, ,. . . 




$408,000 00 


Bank Stock, 




238,825 00 


Railroad Bonds, 




50,000 00 


Loans on Real Estate, . • . 




1,329,652 10 


on Personal Security, 




544,250 31 


to Counties, Cities and Towns, 




188,000 00 


to Banks, on interest, . 




85,242 21 


Expense Account, 




15,326 45 


Cash on hand, . . . 




28,522 41 




$2,887,718 48 


$2,887,718 48 



Number of Depositors, 8,681 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1867. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 4,900 00 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 

[September 10.] . 
Isaiah F. Terry, President. Treasurer, Charies Drew. 



Deposits, . . . . . . 


$589,487 32 




Profits, 


, 




11,895 78 




Interest, . . 


, , 




14,701 42 




Public Funds, . 


, 






$130,400 00 


Bank Stock, 


, 






175,500 00 


Railroad Bonds, 


, , 






20,000 00 


Real Estate, 


, 






3,500 00 


Loans on Public Funds, 


. 






1,451 00 


on Bank Stock, 


, 






16,817 94 


on Real Estate, 


, , 






3,798 44 


on Personal Security, 






222,978 13 


on Railroad'Stock, 






17,700 00 


to Counties, Cities and Town 


s, . 




5,000 00 


to Banks, on interest, . 






10,000 00 


Expense Account, .... 






561 12 


Cash on hand, 






8,377 94 








$616,084 57 


$616,084 57 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the-stock of any one bank, 

Average annual expenses, 



1,189 
7 per cent. 

$30,000 00 
1,375 00 



34 



BANK COMMISSIONERS EEPORT. 



[Jan. 



FALL RIVER FIVE CENTS SAVINGS BANK— FALL RIVER. 

[November 12.] 



S. Angiee. Chace, President. 



Treasurer, Charles J. Holmes. 



Deposits, . 


$1,340,230 84 




Interest, 


81,130 86 




Public Funds, 




$250,000 00 


Bank Stock, 




152,300 00 


Railroad Bonds, 




100,000 00 


Loans on Real Estate, .... 




232,625 00 


on Personal Security, . 




596,150 00 


to Counties, Cities and Towns, 




60,000 00 


to Banks, on interest, 




27,500 00 


Expense Account, . . . . 




2,429 94 


Cash on hand, . . . 




356 76 




$1,421,361 70 


$1,421,361 70 



Number of Depositors, 5,754 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 2,500 00 



J. B. French, President. 



FALL RIVER SAVINGS BANK— FALL RIVER. 

. [November 12.] 



Treasurer, I. F. Lindsey. 



Deposits, . 
Interest, . 
Public Funds, . 
Bank Stock, 
Railroad Bonds, 
Real Estate, 
Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, . . * . 



L,933,236 70 
260,136 44 



i,193,373 14 



$557,100 00 

666,600 00 

20,000 00 

50,000 00 

1,161,138 00 

2,605,838 00 

110,000 00 

22,897 14 



i,193,373 14 



Number of Depositors, 11,475 

Rate of ordinary dividends for the last year, 7 per cent.. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... $75,60000 

Average annual expenses, 7,445 74 



1873.] 



PUBLIC DOCUMENT— No. 8. 



35 



Nathaniel Wood, President. 



FITCHBURG SAVINGS BANK— FITCHBURG. 
[April 24.] 



Treasurer, E. Tokry. 



Deposits, 


$2,050,357 09 




Interest, . 




. i ' ■ 


32,197 97 




Suspense Account, 




. . • 


171 13 




Rents, 




, , , 


443 75 




Public Funds, . 




■ • i 




$186,000 00 


Bank Stock, 




• # *■ • 




186,900 00 


Railroad Bonds, 




• • t 




2,700 00 


Real Estate, 




• • • 




180,651 19 


Loans on Public Funds, 


• • • 




18,250 00 


on Bank Stock, 


• i • 




15,000 00 


on Real Estate, 


• • • 




768,226 00 


on Personal Security, 




433,961 45 


on Railroad Stock, 


* 


12,322 00 


to Counties, Cities and Towns, 




252,300 00 


Expense Account, 




1,054 58 


Cash on hand, 




25,804 72 




$2,083,169 94 


$2,083,169 94 



Number of Depositors, 6,144 

Rate of ordinary dividends for the last year, ..... 6 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . Five years. 

•Largest amount invested in the stock of any one bank, . . . $22,800 00 

Average annual expenses, 3,000 00 



Otis Caret, President. 



FOXBOROUGH SAVINGS BANK— FOXBOROUGH. 

[August 7.] 



Treasurer, "Wm. H. Thomas. 



Deposits, . 
Interest, . 
Public Funds, . 
Bank Stock, 
Loans Real Estate, 

on Personal Security, 
Cash on hand, . . 



$187,796 17 
1,335 45 



,131 62 



$9,300 00 

5,200 00 

132,345 00 

31,476 80 

10,809 82. 



$189*131 62 



Number of Depositors, 925 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in ...... . Five years. 

Largest amount invested in the stock of any one bank, ... . $1,200 00 

Average annual expenses, 200 00 



36 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 

[December 6.] 



George Phipps, President. 



Treasurer, C. S. Adams. 



Deposits, 


$862,017 96 




Profit and Loss Account, 


. . . 


32,052 85 




Bills Payable, . 


. . . 


29,000 00 




Public Funds, . 


. 




$20,100 00 


Bank Stock, 


. . . 




114,700 00 


Railroad Bonds, 


. . . 




25,000 00 


Loans on Bank Stock, 


. . . 




550 00 


on Real Estate, 


• • . 




733,055 35 


on Personal Security, 




12,550 00 


to Counties, Cities and Towns, 




6,500 00 


Furniture and fixtures, .... 




2,000 00 


Expense Account, 




2,146 56 


Cash on hand, . », 




6,468 90 






$923,070 81 


$923,070 81 



Number of Depositors, ........ \ 3,525 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $18,000 00 

Average annual expenses, 2,500 00 



Osmtn Brewster, President. 



FRANKLIN SAVINGS BANK— BOSTON. 
[March 11.] 



Treasurer, Henry "Whitemore. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security, 
to Banks, on interest, 

Suspense Account, . 

Expense Account, 

Accrued Interest, 

Cash on hand, . 



$3,700,000 00 
30,848 04 
22,25.6 77 



5,753,234 05 



$541,409 42 

113,503 33 

9 737 

2,680',095 

241,000 

' 118,760 

70 

573 

45,250 

2,833 



50 
64 
00 
60 
00 
30 
28 
98 



1,753,234 05 



Number of Depositors, 8,954 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . . . . . . . Three years. 

Largest amount invested in the stock of any one bank, . . . . $49,417 75 

Average annual expenses, . 10,545 56 



1873.] 



PUBLIC DOCUMENT— No. 8. 



37 



FRANKLIN SAVINGS INSTITUTION— GREENFIELD. 

[May 16.] 



Samuel 0. Lamb, President. 



Treasurer, ¥m. Henry Allen.- 



Deposits, 


$2,420,319 35 




Profits, 


• • . 


21,348 86 




Interest, ... 


. . . 


6,444 54 




Public Funds, . 


■ . . . 




$473,800 00 


Bank Stock, 


. . . 




61,400 00 


Railroad Bonds, 


... 




15,000 00 


Loans on Public Funds, 


. . . 




68,661 75 


on Bank Stock, 


, , . 




64,300 00 


on Real Estate, 


• • . 




. 857,667 82 


on Personal Security, . 




551,547 67 


to Counties, Cities and Towns, 




309,345 75 


to Banks, on interest, 




43,568 70 


Expense Account, . . 




1,354 07 


Cash on hand, . . . •' 




1,466 99 






$2,448,112 75 


$2,448,112 75 



Number of Depositors, . 6,550 

Rate of ordinary dividends for the last year, ..... 6 per cent. 
Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one hank, . . . $20,400 00 

Average annual expenses, . . . . . . . ' . . 4,329 01 



Charles Heywood, President. 



GARDNER SAVINGS BANK— GARDNER. 

[April 26.] 



Treasurer, John D. Edgell. 



Deposits, 


$326,138 75 




Public Funds, .... 






$11,770 25 


Bank Stock, .... 






1,584 00 


Loans on Bank Stock, 






6,800 00 


on Real Estate, 






162,058 75 


on Personal Security, 






47,300 00 


on Railroad Stock, 






800 00 


to Counties and Towns, 






90,296 95 


Interest Account, 






635 77 


Expense Account, 






12 50 


Cash on hand, .... 






4,880 53 






$326,138 75 


$326,138 75 



Number of Depositors, 1,165 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

No extra dividends. 

Average annual expenses, $220 00 



38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



J. P. Jones, President. 



GEORGETOWN SAVINGS BANK— GEORGETOWN. 

[September 5.] 



Treasurer, W. H. Haeriman 



Deposits, .... 
Interest, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$49,683 78 
2,802 91 



$52,486 69 



$2,833 00 

37,280 00 

9,750 00 

1,395 73 

, 1,227 96 



$52,486 69 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
No extra dividends. 
Average annual expenses, .... 



266 
6 per cent. 



$175 00 



Abeam M. Bigelow, President. 



GRAFTON SAVINGS BANK— GRAFTON. 

[October 23.] 



Deposits, . . . • . 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, . 

Cash on hand, . 



Treasurer, -Henry F. Wing. 




$23,913 24 

5,000 00 

41,335 00 

15,793 19 

74 76 

2,773 03 



,889 22 



Number of Depositors, . . . . . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 



353 
6 per cent. 

$4,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



39 



John Sanderson, President. 



GREENFIELD SAVINGS BANK— GREENFIELD. 

[May 16.] 



Treasurer, R. A. Packard. 



Deposits, . . .. . ... 


|629,744 44 




Profits, ........ 


2,569 00 




Bank Stock, 




• ' |95,260 78 


Railroad Bonds, 




20,000 00 


Loans on Public Funds, .... 




6,000 00 


on Bank Stock, .... 




6,550 00 


on Real Estate, .... 




248,925 00 


on Personal Security, 




139,365 16 


to Counties, Cities and Towns, 




71,288 75 


Expense Account, . . 




668 42 


Cash on hand, . . . . . 




44,155 33 




$632,313 44 


$632,313 44 



Number of Depositors, . . ' 1,594 

Rate of ordinary dividends for the last year; 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,930 00 

Average annual expenses, . 1,000 00 



GREAT BARRINGTON SAVINGS BANK— GREAT BARRINGTON. 

[May 27.] 



Egbert Hollister, President. 



Treasurer, Wm. H. Parks. 



Deposits, ....... 


$290,444 89 




Interest, . . . . . 


907 73 




Bank Stock, . . . 




$24,304 25 


Loans on Public Funds, .... 




5,000 00 


on Real Estate, .... 




165,302 51 


on Personal Security, 




81,027 06 


on Railroad Stock, 




1,500 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, 




. 1,118 62 


Cash on hand, 




12,100 18 




$291,352 62 


$291,352 62 



Number of Depositors, 1,278 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any ono bank, . . . $6,250 00 

Average annual expenses, 1,085 45 



40 



BANK COMMISSIONERS EEPORT. 



[Jan. 



GROVELAND SAYINGS BANK— GROVELAND. 

[September 5.] 



Charles Stickney, President. 



Treasurer, N. H. Griffith. 



Deposits, . . 

Interest, 

Due Treasurer, . . 
Loans on Real Estate, . 

to Counties, Cities and Towns, 


|16,915 01 
13 54 
71 45 


$ 12,700 00 
4,300 00 




$ 17,000 00 


$ 17,000 00 


Rate of ordinary dividends for the last year, 


• 


108 • 
6 per cent. 



Eliphalet Trask, President 



HAMPDEN SAVINGS BANK— SPRINGFIELD 

[May 9.] 



Treasurer, P. S. Bailey. 



Deposits, 


$1,162,873 73 




Profits, 


• • • 


7,667 49 




Interest, . 


• . . 


6,799 04 




Public Funds, . 


• i • 




$36,000 00 


Bank Stock, 


> . • • 




158,780 00 


Loans on Public Funds, 


... 




19,571 00 


on Bank Stock, 


. . • 




18,900 00 


on Real Estate, 


i . . 




776,995 00 


on Personal Security, . 




146,500 00 


on Railroad Stock, 




1,000 00 


to Counties, Cities and Towns, 




7,000 00 


Expense Account, . . . . 




786 64 


Cash on hand, 




11,807 62 






11,177,340 26 


$1,177,340 26 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in ... . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



2,670 
6 per cent. 

Three years. 
$36,604 00 
3,700 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



41 



James Arms, President. 



HAMPSHIRE SAVINGS BANK— NORTHAMPTON. 
[May 15.] 



Treasurer, Lewis Warner. 



Deposits, 


$247,034 66 




Profits, .... 






1,496 04 




Public Funds, . 








|1,830 00 


Bank Stock, 








89,656 37 


Loans on Public Funds, . 








14,100 00 


on Bank Stock, 








29,200 00 


on Real Estate, 








81,175 00 


on Personal Security, 








20,935 58 


to Counties, Cities and Towns, 




1,500 00 


Cash on hand, 




1Q,133 75 








$248,530 70 


$248,530 70 



Number of Depositors, . . . . . . . . . 1,100 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Largest amount invested iu the stock of any one bank, . . . $4,440 00 

Average annual expenses, 700 00 



John A. Appleton, President. 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[Nov. 8.] 



Treasurer, A. B. Jaques. 



Deposits, 


. $2,376,815 44 




Profits, 


20,357 15 




Interest, . . . . . . 


2,410 19 




Public Funds, 




$723,400 00 


Bank Stock, . . .' . 




364,150 00 


Railroad Bonds, .... 




56,000 00 


Loans on Public Funds, . 




14,050 00 


on Bank Stock, 




6,950 00 


on Real Estate, 




1,126,000 00 


on Personal Security,* . . 




47,700 00 


on Railroad Stock, . 




3,000 00 


to Counties, Cities and Towns, 




44,000 00 


Expense Account, .... 




250 00 


Cash on hand, 




14,082 78 




$2,399,582 78 


$2,399,582 78 






7,287 


Rate of the ordinary dividends for the last yeai 




6 per cent. 


No extra dividends. 






Largest amount invested in the stock of any on 


3 bank, 


$37,500 00 






3,600 00 



42 



BANK COMMISSIONER'S REPORT. 



[Jan. 



HAYDENVILLE SAVINGS BANK— HAYDENVILLE . 

[May 15.] 



Joel Hayden, President. 



Treasurer, B. S. Johnson. 



Deposits, 


$102,475 


13 




Interest, ....... 


1,800 


10 




Loans on Bank Stock, .... 






$300 00 


on Real Estate, 






56,200 00 


on Personal Security, 






31,825 00 


to Counties, Cities and Towns, 






13,000 00 


to Banks, on interest, 






437 69 


Tax Account, . . . ... 






268 01 


Cash on' hand, . . ... 




23 


2,244 53 


. 


$104,275 


$104,275 23 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
Extra dividends are made once in 



450 

6 per cent. 

Three years. 



HINGHAM INSTITUTION FOB SAVINGS 

[August 28.] 



Isaac Barnes, President. 



HINGHAM. 
Treasurer, Henry C. Harding . 



Deposits, 


$1,314,397 66 


" 


Public Funds, 




• $227,800 00 


Bank Stock, . , . . . 




141,600 00 


Real Estate, . . . . 




1,921 03 


Loans on Public Funds, 




1,940 00 


on Bank Stock, .... 




5,150 00 


on Real Estate, . . . 




853,638 13 


on Personal Security, . . . 




36,268 00 


to Counties, Cities and Towns, 




■ 31,550 00 


Profit and Loss, 




7,854 11 


Expense Account, . . 




1,164 77 


Cash on hand, 




5,511 62 




$1,314,397 66 


$1,314,397 66 



Number of Depositors, . . . 3,604 

Bate of ordinary dividends for the last year, . . . ... 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Average annual expenses, 2,287 08 



1873.] 



PUBLIC DOCUMENT— No. 8. 



43 



Joel Russell, President. 



HOLYOKE SAVINGS BANK— HOLY OKE 
[May 9.] 



Treasurer, R. B. Johnson. 



Deposits, . 

Interest, ..... 

Bank Stock, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Furniture and fixtures, 

Expense Account, . 

Cash on hand, . 



$710,036 37 
13,236 85 



1723,273 22 



$82,616 17 

3,050 00 

465,925 00 

153,986 00 

3,060 Q5 

132 32 

14,503 08 



$723,273 22 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 
No extra dividends. 

Largest amount invested in the stock of any one hank, 
Average annual expenses, 



2,548 
6^ per cent. 

$25,000 00 
1,900 00 



Henry Smith, President. 



HOME SAVINGS BANK— BOSTON 
[October 17.] 



Treasurer, Edward O. Rock-wood. 



Deposits, 


$4,744,835 22 




Profits, 


• • ■ . 


33,825 19 




Interest, . 


, . , 


28,456 25 




Public Funds, , 


• . . 




$61,216 42 


Bank Stock, 


, , , 




t 211,113 24 


Accrued Interest, 




. 


91,980 98 


Loans on Public Funds, 






50,300 00 


on Bank Stock, 


• > . 




127,460 00 


on Real Estate, 


• • . 




2,909,889 75 


on Personal Security, . 




737,959 00 


on Railroad. Stock, . . 




68,250 00 


to Counties, Cities and Towns, 




449,500 00 


to Banks, on interest, 




97,000 89 


Suspense Account, . . . . 




385 19 


Expense Account, . . . ... 




34 73 


Cash on hand, 




2,026 46 






$4,807,116 6Q 


. $4,807,116 Q6 



Number of Depositors, 16,050 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $23,555 75 

Average annual expenses, 10,000 CO 



44 



BANK COMMISSIONER'S REPORT. [Jan. 



HOOSAC SAVINGS BANK— NOBTH ADAMS. 

[May 29.] 



Sylvander Johnson, President. 



Treasurer, Austin Bond. 



Deposits, .... 
Interest, . ..'•'•. 
Bank Stock, . . • . 
Loans on Real Estate, 

on Personal Security, 
Furniture Account, . 
Expense Account, . 
Cash on hand, . 



$125,480 12 
1,675 60 



$127,155 72 



$12,497 00 

72,971 90 

40,090 00 

570 42 

488 76 

537 64 



$127,155 72 



Number of Depositors, 

Bate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 



776 
6 per cent. 

$3,125 00 



L. H. Bowker, President. 



HOPKINTON SAYINGS BANK— HOPKINTON. 
[April 29.] 



Treasurer, Wm. E. Jenks. 



Deposits, . 

Profits, 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, . 
to Counties, Cities and Towns, 

Expense Account, 

Cash on hand, 



$95,077 69 
5,440 73 



$100,518 42 



$31,837 74 

250 00 

31,975 00 

12,850 00 

20,000 00 

837 64 

2,768 04 



,518 42 



Number of Depositors, . . • . 

Bate of ordinary dividends for the last year, 

N s o extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



430 
5 per cent. 

$3,000 00 
525 00 



1873.] 



PUBLIC DOCUMENT-— No. 8. 



45 



Alden Leland, President. 



HOLLISTON SAVINGS BANK— HOLLISTON. 
[October 31.] 



Treasurer, Orrin Thomson. 



Deposits, ....... 


|34,970 81 




Interest, . 


. . . 


290 09 




Public Funds, . 


• • . • 




$1,448 75 


Bank Stock, 


• • • 




4,003 08 


Railroad Bonds, 


. . . 




5,150 00 


Loans on Public Funds, 


... 




4,158 54 


on Bank Stock, 


... 




2,000 00 


on Real Estate, 


... 




8,050 00 


on Personal Security, 




1,000 00 


to Counties, Cities and Towns, 




8,500 00 


Expense Account, 




153 50 


Cash on hand, 




797 03 






$35,260 90 


$35,260 90 



Number of Depositors, 
No extra dividends. 
Commenced business in 1872. 



243 



Francis Brigham, President. 



HUDSON SAVINGS BANK— HUDSON 

[April 19.] 



Treasurer, F. D. Brigham. 



Deposits, 

Profits, 

Railroad Bonds, .... 
Loans on Real Estate, 

on Personal Security, . 

to Counties, Cities and Towns, 
Furniture Account, .... 
Cash on hand, 



$112,152 86 
169 15 



$112,322 01 



$2,595 00 

75,695 00 

14,350 00 

18,000 00 

407 68 

1,274 33 



$112,322 01 



Number of Depositors, 480 

Rate of ordinary dividends for the last year 6 per cent. 

No extra dividends. 

Average annual expenses, . . . $350 00 



46 



BANK COMMISSIONER'S REPORT. 



[Jan. 



F. G. Kelley, President. 



HYANNIS SAVINGS BANK— HYANNIS. 
[August 1.] 



Treasurer, Joseph R. Hall. 



Deposits, 


|361,228 61 




Dividend Account, . 






12,277 19 




fnterest, . 








6,041 70 




Bank Stock, 










$69,328 50 


Railroad Bonds, 










■ 15,000 00 


Loans on Bank Stock, 










18,433 00 


on Real Estate, 










. 135,253 81 


on Personal Security, 








119,587 42 


on Railroad Stock, 








3,756 00 


to Counties, Cities and Towns, 




7,500 00 


Cash on hand, 




10,688 77 










|379,547 50 


$379,547 50 



Number of Depositors, . • . . 1,134 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,785 00 

Average annual expenses, 1,418 29 



Henry Grew, President. 



HYDE PARK SAVINGS BANK— HYDE PARK. 

[November 26.] 



Treasurer, Henry S. Bunton. 



Deposits, 


$37,624 28 




Profits, 


1,138 58 




Bank Stock, . . 




$7,026 75 


Loans on Real Estate, .... 




27,450 00 


to Counties, Cities and Towns, 




2,000 00 


Furniture and fixtures, 




1,144 17 


Expense Account, 




139 35 


Profit and Loss Account, .... 




420 41 


Cash on hand, ...... 




582 18 




$38,762 86 


$38,762 86 



Number of Depositors, 330 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $2,334 50 

Average annual expenses, 300 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



47 



INSTITUTION FOR SAVINGS IN NEWTON— NEWTON. 

[April 2.] 



George Hyde, President. 



Treasurer, E. J. Collins. 



Deposits, 


$219,631 


82 




Profit and Loss, 


... 


6,877 


67 




Public Funds, . 


• • • 






$3,500 00 


Bank Stock, 


• • . 






10,205 00 


Railroad Bonds, 


. . . 






10,000 00 


Loans on Public Funds, 


• • • 






7,000 00 


on Bank Stock, 


• a • 






5,500 00 


on Real Estate, 


, , , 






165,306 00 


on Personal Security, 






14,700 00 


to Counties, Cities and Towns, 






2,125 00 


Expense Account, 






787 73 


Cash on hand, . . . 






7,385 76 






$226,509 


49 


$226,509 49 



Number of Depositors, 1,254 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Average annual expenses, . . . . . . . . $500 00 



INSTITUTION FOR SAVINGS IN NEWBURYPORT. 

[September 16.] 
Edward S. Moseley, President. ■ Treasurer, Richard Stone. 



Deposits, 


$3,798,543 50 


• 


Interest, . 


• . . 


28,665 39 




Public Funds, . 


■ • • • 




$627,050 00 


Bank Stock, 


• • . . 




956,946 20 


Railroad Bonds, 


• . . . 




382,236' 25 


Real Estate, 


i . . ■ • 




20,954 29 


Loans on Public Funds, 


... 




6,300 00 


on Bank Stock, 


... 




3,900 00 


on Real Estate, 


. . . 




801,188 00 


on Personal Security, 




189,334 00 


to Counties, Cities and Towns, 




781,366 41 


to Banks, on interest, 




19,396 58 


Fifty Associates' Stock, .... 




25,000 00 


Expense Account, . . . . . 




1,756 72 


Annuity in Trust, 




11,487 70 


Cash on hand, ...... 




292 74 






$3,827,208 89 


$3,827,208 89 



Number of Depositors, . . . ... . . . . 9,511 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . $75,000 00 

Average annual expenses, „ 5,800 00 



48 



BANK COMMISSIONERS REPORT. 



[Jan. 



INSTITUTION FOR SAVINGS IN ROXBURY— BOSTON. 

[March 16.] 



A. D. Hodges, President. 



Treasurer, Edward Richards. 



Deposits, 


$1,99-9,804 70 




Interest, . 








56,313 95 




Public Funds, . 










$218,063 65 


Bank Stock, 










157,224 47 


Railroad Bonds, 










130,000 00 


Real Estate, 










10,800 00 


Loans on Public Funds, 










44,500 00 


on Bank Stock, 










23,250 00 


on Real Estate, 










777,652 17 


on Personal Security, 








614,391 60 


to Counties, Cities and Towns, 




33,900 00 


Cash on hand, 




46,336 76 










$2,056,118 65 


$2,056,118 65 



Number of Depositors, 6,107 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $31,494 00 

Average annual expenses, 5,600 00 



IPSWICH SAVINGS BANK— IPSWICH. 

[September ,6.] 

Joseph Ross, President. Treasurer, Theodore F. Cogswell. 



Deposits, . . . . . 

Interest, 

Loans on Real Estate, . . 

on Personal Security, . 

to Counties, Cities and Towns, . . 
Cash on hand, 


. $20,232 35 
597 12 


$10,500 00 

6,200 00 

3,983 17 

146 30 




$20,829 47 


$20,829 '47 



Number of Depositors, . . . . . 

Rate of the ordinary dividends for the last year, 
No extra dividends. 



174 
6 per cent. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



49 



Henry Wilder, President. 



LANCASTER SAYINGS BANK— LANCASTER. 
[April 23.] 



Treasurer, C. T. Symmes. 



Deposits, 


$785,328 27 




Profits, .... 






12,464 86 




Interest, .... 






4,154 95 




Public Funds, . 








$265,000 00 


Bank Stock, 








61,300 00 


Railroad Bonds, 








10,000 00 


Loans on Public Funds, . 








1,100 00 


on Bank Stock, 








6,800 00 


on Real Estate, 








294,492 57 


on Personal Security, 








158,190 31 


Expense Account, 








644 41 


Cash on hand, . 








4,420 49 








$801,948 08 


* $801,948 08 



Number of Depositors, . • 2,216 

Rate of ordinary dividends for the last year, . . ... 6^ per cent. 

Last dividend of reserved profits, in 1868. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . . $15,000 00 

Average annual expenses, 2,134 65 



Milton Bonney, President. 



LAWRENCE SAVINGS BANK— LAWRENCE. 

[October 18.] 



Treasurer, W. R. Spatjlding. 



Deposits, . 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Premium Account, . 
Expense Account, . 
Cash on hand, . 



$324,838 71 
9,859 39 



$334,698 10 



$1,000 00 
51,375 00 
237,750 
27,208 

8,110 

2,579 

6,675 



13 
16 
22 
29 
30 



$334,698 10 



Number of Depositors, 1,484 

Rate of ordinary dividends for the last year, ..... 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $9,500 00 

Average annual expenses, ,. 1,200 00 



50 



BANK COMMISSIONER'S EEPORT. 



[Jan. 



H. Garfield, President. 



LEE SAVINGS BANK— LEE. 
[May 28.] 



Treasurer, J. L. Kilborn. 



Deposits, 


$363,394 44 




Interest, . 


• • • 


5,087 


65 




Suspense Account, . 


• • i 


2,418 


23 




Public Funds, . . 


i • ■ 






$104,000 00 


Bank Stock, 


• • • 






20,980 00. 


Loans on Public Funds, 


, • . 






4,600 00 


on Bank Stock, 


, , , 






3,160 00 


on Real Estate, 


• ' • • 






182,092 76 


on Personal Security, 






24,318 00 


to Counties, Cities and Towns, 






23,500 00 


Expense Account, 






525 75 


Cash on hand, 






7,723 81 


• 




$370,900 


32 


$370,900 32 



Number of Depositors, 1,285 

Rate of ordinary dividends for the last year 6 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,400 00 

Average annual expenses, 1,000 00 



€henet Hatch, President. 



LEICESTER SAVINGS BANK— LEICESTER 

[May 21.] 



Treasurer, D. E. Merriam. 



Deposits, . 

Profits, 

Interest, . . 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, 



$159,859 51 

50 00 

3,354 52 



$163,264 03 



,857 62 

1,500 00 

93,050 00 

19,609 00 

6,400 00 

3,847 41. 



3,264 03 



Number of Depositors, 431 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... $4,106 40 

Average annual expenses, 500 00 



1873.] 



PUBLIC DOCUMENT— No. 8, 



51 



LEOMINSTER SAVINGS BANK— LEOMINSTER. 
[April 24.] 



Leonard Burrage, President. 



Treasurer. A. L. Burditt. 



Deposits, 


$322,394 


79 




Bank Stock, . . . . 






$21,060 25 


Loans on Public Funds, .... 






4,900 00 


on Bank Stock, .... 






8,100 00 


on Real Estate, .... 






211,510 00 


on Personal Security, . 






64,375 00 


on Railroad Stock, 






3,000 00 


to Counties, Cities and Towns, 






2,000 00 


Interest Account, 






1,479 60 


Bank Safe, 






635 15 


Cash on hand, . 






5,334 79 




$322,394 


79 


$322,394 79 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Average annual expenses, . . ... 



1,441 
6 per cent. 

$7,724 00 
600 00 



Geo. W. Robinson, President. 



LEXINGTON SAVINGS BANK— LEXINGTON. 

[December 18.] 



Treasurer, Leonard G. Babcock. 



Deposits, .... 
Interest, .... 
Bills Payable, . 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$35,236 63 
1,257 26 
7,000 00 



$43,493 89 



23,000 00 
19,050 00 
551 73 
892 16 



$43,493 89 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
Extra dividends are made once in 



295 

6 per cent. 

Three years. 



52 



BANK COMMISSIONER'S EEPORT. 



[Jan, 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 

[April 9.] 

Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, 


12,413,535 92 




Profits, 


. . 


66,134 91 




Premium Account, . 


, , , , 


14,436 40 




Public Funds, . 


. . . 




$206,500 00 


Bank Stock, 


i . . . 




327,980 25 


Railroad Bonds, 


... 




2,000 00 


Real Estate, 


... 




15,000 00 


Loans on Public Funds, 


. . . 




3,200 00 


on Bank Stock, 


. . . 




26,900 00 


on Real Estate, 


• . . 




1,447,125 00 


on Personal Security, 




166,500 00 


to Counties, Cities and Towns, 




235,000 00 


to Banks, on interest, 




62,322 82 


Expense Account, 




1,292 69 


Interest, 




77 21 


Cash on hand, 




209 26 






$2,494,107 23 


$2,494,107 23 



Number of Depositors, . . . 10,045 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $23,443 00 

Average annual expenses, . . 5,415 41 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[April 9.] 



Theodore Edson, President. 



Treasurer, Geo. J. Carney. 



Deposits, 


$1,759,390 08 




Profits, 


20,147 00 




Public Funds, 




$733,000 00 


Bank Stock, 




97,000 00 


Real Estate, 




20,334 06 


Loans on Public Funds, .... 




25,400 00 


on Real Estate, .... 




126,778 15 


to Counties, Cities and Towns, 




680,975 00 


to Banks, on interest, 




96,000 00 


Cash on hand, 




50 34 




$1,779,537 55 


$1,779,537 55 



Number of Depositors, 5,215 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $75,000 00 

Average annual expenses, 4,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



53 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[August 16.] 

Thomas B. Newhall, President. Treasurer, B. V. French. 



Deposits, 


$1,238,664 38 




Profits, 


. . . 


37,163 39 




Suspense Account, . 


. 


20 00 




Bills Payable, . 


. . . 


25,000 00 




Public Funds, . 


• • . 




$126,695 42 


Bank Stock, 


. . . 




356,083 88 


Railroad Bonds, 


... 




19,450 00 


Real Estate, 


. . . 




44,529 24 


Loans on Bank Stock, 


... 




6,750 00 


on Real Estate, 


. . . 




641,730 00 


on Personal Security, 




28,142 26 


to Counties, Cities and Towns, 




19,000 00 


to Banks, on interest, 




52,706 31 


Expense Account, ..... 




1,989 41 


Cash on hand, 




3,771 25 






$1,300,847 77 


$1,300,847 77 



Number of Depositors, 7,365 

Rate of ordinary dividends for the last year, ..... 6^ per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $54,393 25 

Average annual expenses, . . 5,500 00 



LYNN INSTITUTION FOR SAVINGS- 

[August 30.] 
Joseph N. Sanderson, President. 



-LYNN. 



Treasurer, E. Love joy. 



Deposits, . . . . . 


$1,396,688 50 




Profits, 


98 57 




Interest, 


4,870 57 


i 


Public Funds, . 




$60,000 00 


Bank Stock, 




157,289 00 


Railroad Bonds, 




21,000 00 


Real Estate, 




67,355 59 


Loans on Bank Stock, .... 




12,080 00 


on Real Estate, . 




858,026 82 


on Personal Security, 




89,500 00 


to Counties, Cities and Towns, 




106,900 00 


to Banks, on interest, 




20,000 00 


Expense Account, 




518 12 


Cash on hand, 




8,988 11 




$1,401,657 64 


$1,401,657 64 



Number of Depositors, . . . 4,708 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $27,700" 00 

Average annual expenses, 3,200 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Henry Barrett, President. 



MALDEN SAVINGS BANK— MALDEN. 

[August 30.] 



Treasurer, Charles Merrill. 



Deposits, . .'•■'". 

Interest, . . . • 

Public Funds, ..... 

Bank Stock, . . . 

Loans on Real Estate, . . 

on Personal Security, . 

to Counties, Cities and Towns, 
Expense Account, .... 
Cash on hand, . . . . • . 



|186,936 47 
3,814 25 



$190,750 72 



$30,000 00 
5,600 00 

129,150 00 

6,000 00 

15,000 00 

1,533 42 

3,467 30 



$190,750 72 



Number of Depositors, 1,200 

Bate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, $500 00 



MARBLEHEAD SAVINGS BANK— MABBLEHEAD. 

[September 6.] 



John F. Harris, President. 



Treasurer, "William Gilley, Jr. 



Deposits, ... . . . . 

Interest, . . . 

Public Funds, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account and fixtures, 
Cash on hand, . . . 



,199 78 
1,293 78 



$63,493 56 



$11,411 25 

40,250 00 

3,047 00 

1,051 21 

7,734 10 



,493 56 



Number of Depositors, .... 

Bate of ordinary dividends for the last year, 



545 

6 per cent. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



55 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 

[April 19.] 



Sidney G. Fay, President. 



Treasurer, E. C. Whitney 



Deposits, . . ... 

Profits, 

Bank Stock, . . . . . 

Loans on Real Estate, .... 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, 


$615,527 50 
1,915 90 


$103,965 00 

460,650 00 

9,100 00 

38,000 00 

5,728 40 




$617,443 40 


$617,443 40 



Number of Depositors, , N 1,954 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in any one hank, $84,650 75 

Average annual expenses, 2,500 00 



"Wm. A. Burke, President. 



MECHANICS' SAYINGS BANK— LOWELL. 
[March 26.] 



Treasurer, C. C. Hutchinson. 



Deposits, 


$1,714,039 38 




Interest, . 


• • . 


43,446 87 




Public Funds, . 


. . • 




$204,000 00 


Bank Stock, 


... 




158,750 00 


Railroad Bonds, 


... 




29,000 00 


Real Estate, 


■ . . . 




29,087 23 


Loans on Public Funds, 


■ . . . 




600 00 


on Bank Stock, 


... 




9,300 00 


on Real Estate, 


. • . 




1,066,181 25 


on Personal Security, 




171,500 00 


on Railroad Stock, 




800 00 


to Counties, Cities and Towns, 




44,800 00 


Tax Account, 




6,373 45 


Expense Account, 




1,141 70 


Cash on hand, . . . 




35,952 62 






$1,757,486 25 


$1,757,486 25 



Number of Depositors, 4,151 

Rate of ordinary dividends for the last year, . . . . 5 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $27,200 00 

Average annual expenses, . . . 4,100 00 



56 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



James H. Newton, President. 



MECHANICS' SAVINGS BANK— HOLYOKE. 

[November 20.] 



Treasurer, C. B. Prescott. 



Deposits, .... 

Interest, .... 

Furniture and fixtures, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Expense Account, 

Cash on hand, . 



$41,424 78 
599 87 



$42,024 65 



$1,467 32 

150 00 

29,929 00 

10,000 00 

424 33 

54 00 



$42,024 65 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
Commenced business May 20, 1872. 



367 
6£ per cent. 



Henry Hastings, President. 



MEDFORD SAVINGS BANK— MEDFORD. 

[November 7.] 



Treasurer, Herbert Magotjn. 



Deposits, . . . . . 


$160,477 83 




Profits , . . 






2,877 27 




Public Funds, . 








$5,385 00 


Bank Stock, 








18,668 62 


Railroad Bonds, 








9,205 00 


Loans on Bank Stock, 








1,000 00 


on Real Estate, 








113,516 00 


on Personal Security, 








1,750 00 


to Banks, on interest, 








12,884 92 


Furniture and fixtures, 








400 00 


Expense Account, 








20 62 


Cash on hand, . 








524 94 








$163,355 10 


$163,355 10 



Number of Depositors, 956 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Extra dividends are made once in ■ Five years. 

Largest amount invested in the stock of any one bank, ... . $4,847 50 

Average annual expenses, 600 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



57 



M. M. Fisher, President. 



MEDWAY SAVINGS BANK— MEDWAY. 
[November 6.] 



Treasurer, 0. A. Mason. 



Deposits, .... 
Interest, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$57,049 72 
566 27 



$57,615 99 



$5,040 00 

40,149 13 

11,830 00 

159 06 

437 80 



$57,615 99 



Number of Depositors, 409 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Average annual expenses, $200 00 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 
[October 15.] 



Lyman S. Hapgood, President. 



Treasurer, Anson J. Stone. 



Capital Stock, 


$205,757 20 




Deposits, . 




■ . . 


3,407,593 71 




Profit and Loss, 




• • . 


12,296 06 




Interest, . 




, . 


107,319 92 




Premium Account, 




■ . • 


2,656 86 




Public Funds, . 




. , 




$84,300 00 


Bank Stock, 




, , 




10,900 00 


Railroad Bonds, 




, , 




65,100 00 


Real Estate, 




. • 




182,543 73 


Loans on Public Funds, . 


t , 




186,550 00 


on Bank Stock, 


. , 




3,400 00 


on Real Estate, 


• . . 




2,083,281 43 


on Personal Security, 


■ • . 




191,706 66 


on Railroad Stock, 


■ • . 




26,900 00 


to Counties, Cities and r . 


'owns, 




807,200 00 


Suspense Account, . 


. , 




1,000 00 


Expense and Tax Accounts, 


• . . 




24,753 11 


Dividend Account, . 


• • . 




23,358 95 


Cash on hand, . 


. 




44,629 87 








$3,735,623 75 


$3,735,623 75 



Number of Depositors, 9,260 

Bate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,900 00 

Average annual expenses, 9,542 92 



8 



58 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



MERRIMACK RIVER SAVINGS BANK— LOWELL. 

[October 24.] 



Josiah G. Peabody, President. 



Treasurer, G. W. Knowlton. 



Deposits, .... 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, . 

Interest Account, 

Cash on hand, . 



|109,426 93 
1,947 62 



flll,374 55 



|12,H9 38 

1,700 00 

72,625 00 

15,119 58 

374 58 

51 48 

9,384 53 



flll,374 55 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 
Extra dividends are made once in ... 
Largest amount invested in the stock of any one hank, 



333 

6| per cent. 

Three years. 

#3,880 50 



MIDDLESEX INSTITUTION FOR SAVINGS— CONCORD. 

[February 20.] 



George M. Brooks, President. 



Treasurer, George Hetwood. 



Deposits, 


$865,346 70 




Profit and Loss, . . . 


9,111 14 




Interest, 


10,973 81 




Public Funds, 




$148,000 00 


Bank Stock, . . . . . 




255,000 00 


Loans on Bank Stock, .... 




500 00 


on Real Estate, . 




376,196 00 


on Personal Security, 




53,400 00 


to Counties, Cities and Towns, 




40,328 00 


to Banks, on interest, 




3,067 73 


Interest Account, , 




1,171 72 


Cash on hand, 




7,768 20 


/ 


$885,431 65 


$885,431 65 



Number of Depositors, 2,879 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, 2,300 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



59 



Orison Underwood, President. 



MILFORD SAVINGS BANK— MILFORD. 
[April 16.] 



Treasurer, A. G. Underwood. 



Deposits, . . . 


|432,789 


96 




Profits, 








9,802 


29 




Interest, . 








12,603 


48 




Public Funds, . 












|46,100 00 


Bank Stock, 












33,068 87 


Real Estate, , . 












12,192 53 


Loans on Public Funds, 












9,800 00 


on Bank Stock, 












28,191 96 


on Real Estate, 












153,682 45 


on Personal Security, 










85,756 08 


to Counties, Cities and Towns, 






82,000 00 


Cash on hand, ' 






4,403 84 










$455,195 


73 


$455,195 73 



Number of Depositors, * 2,106 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 1,500 00 



MILLBURY SAVINGS BANK— MILLBURY. 

[April 18.] 



Thomas f J. Harrington, President. 



Treasurer, F. C. Miles. 



Deposits, -. 


$259,507 57 




Interest, . . .•'... 


4,681 21 




Public Funds, . . 




$35,000 00 


Bank Stock, 




40,200 00 


Loans on Bank Stock, . . 




500 00 


on Real Estate, . . . 




156,400 00 


to Counties, Cities and Towns, 




27,500 00 


Premium Account, ..... 




3,077 62 


Expense Account, 




150 75 


Cash on hand, 




1,360 41 




$264,188 78 


$264,188 78 



Number of Depositors, 822 

Rate of ordinary dividends for the last year, 8 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $5,500 00 

Average annual expenses, . . . 800 00 



60 



BANK COMMISSIONER'S REPOET. 



[Jan. 



Charles H. Merrick, President. 



MONSON SAVINGS BANK— MONSON. 

[November 19.] 



Treasurer, E. F. Morris. 



Deposits, .... 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Expense Account, . 

Cash on hand, . 



$51,662 79 
748 43 



$52,411 22 



$19,559 50 

7,850 00 

18,750 00 

5,000 00 

152 33 

1,099 39 



,411 22 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Commenced business June 1, 1872. 



238 
6 per cent. 

$4,400 00 



NANTUCKET INSTITUTION FOR SAVINGS— NANTUCKET. 

[September 12.] 



George Cobb, President. 



Treasurer, Matthew Barney. 



Deposits, 


$530,578 53 




Profits, 


. . . 


356 94 




Interest, . 


... 


740 36 




Public Funds, . 


. . . 




$66,600 00 


Bank Stock, 


. • . 




118,200 00 


Real Estate, 


. . . 




8,575 00 


Loans on Public Funds, 


... 




3,950 00 


on Bank Stock, 


• . . > 




697 96 


on Real Estate, 


... 




306,652 38 


on Personal Security, . . . 




18,055 78 


on Railroad Stock, 




650 00 


to Counties, Cities and Towns, 




1,000 00 


Expense Account, 




353 67 


Cash on hand, 




6,941 04 






$531,675 83 


$531,675 83 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,591 
6^ per cent. 



20,000 00 
1,740 29 



1873.] 



PUBLIC DOCUMENT— No. 8. 



61 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 
[October 31.] 



John Kimball, President. 



Treasurer, James "Whitney. 



Deposits, 

Interest, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, . ... 



|304,269 64 
3,617 39 



$307,887 03 



$233,386 53 

20,600 00 

46,500 00 

7,400 50 



$307,887 03 



Number of Depositors, 1,425 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Average annual expenses, $1,000 00 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[September 10.] 



George Howland, Jr., President. 



Treasurer, B. Ricketson. 



Deposits, . ... 


$2,268,833 42 




Profits, .... 


. . . 


11,191 32 




Interest and Discount, 


... 


77,935 87 




Premium Account, . 


... 


23,869 94 




Public Funds, . 


. . . 




$1,394,125 00 


Bank Stock, 


i . . . 




105,100 00 


Railroad Bonds, 


. . . 




83,500 00 


Loans on Public Funds, 


. . . . 




7,910 00 


on Bank Stock, 


... 




3,240 00 


on Real Estate, 


. . . • 




386,977 99 


on Personal Security, 




377,249 85 


to Counties, Cities and Towns, 




1,020 00 


Furniture and fixtures, .... 




8,947 38 


Expense Account, 




2,354 51 


Cash on hand, . . . . 




11,405 82 






$2,381,830 55 


$2,381,830 55 



Number of Depositors, 10,804 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $49,400 00 

Average annual expenses, 6,800 00 



62 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[September 11.] 



Wm. C. Tabbr, President. 



Treasurer, Charles H. Pierce. 



Deposits, 


$7,089,058 02 




Profits, 


• • 


279,723 73 




Public Funds, . 


■ . . . 




$2,845,997 25 


Bank Stock, 


■ • • . 




1,179,350 00 


Railroad Bonds, 


• • • . 




657,807 50 


Real Estate, 


. . . 




9,227 19 


Loans on Public Funds, 


• • • . 




55,504 00 


on Bank Stock, 


> • . . 




21,410 00 


on Real Estate, 


. . . . 




47,633 67 


on Personal Security, 




2,237,307 33 


on Railroad Stock, 




25,900 00 


on Railroad Bonds, 




2,000 00 


to Counties, Cities and Towns, 




172,903 50 


to Banks, on interest, 




81,630 47 


Suspense Account, 




23,647 06 


Expense Account, 




5,495 88 


Cash on hand, . . . . 




2,967 90 






$7,368,781 75 


$7,368,781 75 



Number of Depositors, 16,120 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $165,600 00 

Average annual expenses, 13,474 46 



NEWBURYPORT FIVE CENTS SAVINGS BANK— NEWBURYPORT. 

[October 8.] 



David Wood, President. 



Treasurer, J. A. Maynard 



Deposits, . 


$725,976 64 




Profits, 


... 


4,347 51 




Interest, . 


. • . 


22,189 65 




Public Funds, . 


• . • 




$127,875 00 


Bank Stock, 


... 




87,600 00 


Railroad Bonds, 


... 




16,437 00 


Loans on Public Funds, 


i • • . 




4,400 00 


on Bank Stock, 


i * . . 




6,300 00 


on Real Estate, 


... 




326,145 00 


on Personal Security, . 




62,790 00 


to Counties, Cities and Towns, 




104,280 00 


to Banks, on interest, 




15,212 13 


Expense Account, 




880 37 


Cash on hand, 




594 20 






$752,513 70 


$752,513 70 



.Number of Depositors, 3,413 

Rate of ordinary dividends for the last year, 6 per cent. - 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 1,700 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



63 



NORTHAMPTON INSTITUTION FOR SAVINGS— NORTHAMPTON. 

[May 15.] 



Wm. Allen, President. 



Treasurer, L. Maltby. 



Deposits, 


fl,565,537 57 




Profits, .... 






46,159 52 




Public Funds, . 








$279,000 00 


Bank Stock, 








50,800 00 


Loans on Public Funds, . 








30,463 07 


on Bank Stock, 








46,863 70 


on Ileal Estate, 








639,279 00 


on Personal Security, 








253,075 92 


to Counties, Cities and Towns, 




247,873 15 


Cash on hand, 




64,337 25 








$1,611,692 09 


$1,611,692 09 



Number of Depositors, 4,788 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,300 00 

Average annual expenses, 4,600 00 



NORTH ADAMS SAYINGS BANK— NORTH ADAMS. 

[May 29.] 



John F. Arnold, President. 



Treasurer, E. D. Whitaker. 



Deposits, . 


$566,252 48 




Interest, . 








10,843 10 




Due on Loan, . 








1,955 33 




Public Funds, . 










$10,000 00 


Bank Stock, 










11,232 00 


Real Estate, 










8,000 00 


Loans on Public Funds, 










1,400 00 


on Bank Stock, 










9,968 00 


on Real Estate, 










327,202 00 


on Personal Security, 








165,804 00 


i>o Counties, Cities and Towns, 




45,258 66 


Expense Account, 




186 25 




« 






$579,050 91 


$579,050 91 



Number of Depositors, 2,005 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $9,000 00 

Average annual expenses, 2,204 61 



64 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGEWATER. 

[September 4.] 
Henry W. Robinson, President. Treasurer, Edward Southworth. 



Deposits, . . . 

Profits, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



f470,240 18 
1,335 60 



$471,575 78 



$112 75 

29,855 75 

253,813 68 

170,843 00 

1,563 72 

15,386 88 



$471,575 78 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Average annual expenses, 



2,031 
6 per cent. 

$12,971 50 
1,200 00 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[May 2.] 



Charles Adams, Jr., President. 



Treasurer, Bonum Nye. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans Real Estate, . 

on Personal Security, . 

to Counties, Cities and Towns, 
Furniture and fixtures, 
Expense Account, .... 
Cash on hand, 



$232,380 56 
1,447 61 



$233,828 17 



$50,000 00 

11,500 00 

35,000 00 

124,825 00 

2,700 00 

5,000 00 

118 00 

30 20 

4,654 97 



$233,828 17 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,073 
6 per cent. 

$10,000 00 
650 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



65 



NORTH EASTON SAVINGS BANK— NORTH EASTON. 

[June 11;] 



F. L. Ames, President. 



Treasurer, P. A. Gifford. 



Deposits, 


$183,807 


00 




Profits, 


1,840 


02 




Public Funds, 






|46,675 55 


Bank Stock, 






32,692 25 


Railroad Bonds, 






13,390 00 


Loans on Bank Stock, . 






18,400 00 


on Real Estate, .... 






54,890 25 


on Personal Security, 






15,000 00 


to Counties, Cities and Towns, 






1,000 00 


to Banks, on interest, 






3,343 44 


Expense Account, 






4 12 


Cash on hand, . . . . 






251 11 




$ 185,647 


02 


$185,647 02 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 
No extra dividends. 

Largest amount invested in the stock of any one hank, 
Average annual expenses, ...... 



675 
7 per cent. 

$10,690 00 
250 00 



Robert Marsh, President. 



NORTH END SAVINGS BANK—BOSTON. 

[February 21.] 



Treasurer, George C. Trumbull. 



Deposits, 


$262,941 05 




Profits, 


7,340 04 




Public Funds, ...... 




$4,925 00 


Bank Stock, 




16,183 54 


Railroad Bonds, 




11,411 25 


Loans on Public Funds, .... 




1,000 00 


on Bank Stock, .... 




500 00 


on Real Estate, .... 




185,610 20 


on Personal Security, . 




18,500 00 


to Counties, Cities and Towns, 




10,975 00 


Furniture Account, 




1,555 36 


Expense Account, . . . . . 




1,624 57 


Cash on hand, . 




17,996 17 




$270,281 09 


$270,281 09 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,030 
6 per cent. 



£5,767 42 
2,000 00 



M 



BANK COMMISSIONEB'S EEPORT. 



[Jan. 



A. J. Clark, President. 



ORANGE SAVINGS BANK— ORANGE 

[May 14.] 



Treasurer, George A. Whipple. 



Deposits, .... 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



|14,112 89 



514,112 



$1,000 00 
3,600 00 
7,000 00 
2,512 89 



$ 14,112 89 



Number of Depositors, 
Commenced business in 1872. 



101 



Geo. F. Hill, President. 



PALMER SAVINGS BANK— PALMER. 
[May 1.] 



Treasurer, Marshall W. French. 



Deposits, 


$164,516 


51 




Interest, .... 






1,402 


95 




Public Funds, . 










$4,890 00 


Bank Stock, 










4,125 00 


Loans on Public Funds, . 










3,734 18 


on Real Estate, 










76,925 00 


on Personal Security, 










54,680 00 


to Banks, on interest, 










14,823 33 


Expense Account, . 










1,253 69 


Cash on hand, . 










5,488 26 








$165,919 


46 


$165,919 46 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
No extra dividends. 
Average annual expenses, .... 



634 
6 per cent. 



$218 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



67 



PEOPLE'S SAVINGS BANK— WORCESTER. 
[April 12.] 
John C. Mason, President. 



Treasurer, CM. Bent. 



Deposits, . 

Dividend Account, . 

Interest, 

Suspense Account, . 

Rents, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, 

to Counties, Cities and Towns, 

to Banks, on interest 
Premium Account, . 
Expense Account, . 
Profit and Loss, 
Cash on hand, . 



1,750,750 85 

54,335 86 

40,740 40 

2,750 00 

742 04 



$2,849,319 15 



$333,500 00 

491,700 00 

52,000 00 

65.000 00 

22,300 00 

22,200 00 

1,468,755 00 

208,298 76 

4,700 00 

3,200 00 

13,896 37 

112,929 02 

1,234 07 

47,264 48 

1,891 45 



$2,849,319 15 



Number of Depositors, 

Rate of ordinary dividends for the last year, ' . 
No extra dividends. 

Largest amount invested in the. stock of any one bank, 
Average annual expenses, . . . . . ■ 



8,280 
6 per cent. 

$43,P00 00 
6,300 00 



PLYMOUTH FIVE CENTS SAYINGS BANK—PLYMOUTH. 

[September 27.] 
Leander, Lovell, President. 



Deposits, . . . . 


$412,616 


40 




Profits, 


, 9 




972 


51 




Interest, . 


. , 




3,772 


38 




Public Funds, . 


t 








$98,310 00 


Bank Stock, 


t 








22,900 00 


Railroad Bonds, 


# 








45,000 00 


Real Estate, 


t 








2,900 00 


Loans on Public Funds, 


# 








3,900 00 


on Bank Stock, 


g 








2,528 00 


on Real Estate, 


t 








175,381 00 


on Personal Security, . 








30,150 00 


on Railroad Stock, 








123 00 


to Counties, Cities and Town 


s, • 






17,000 00 


Suspense Account, . 








308 20 


Expense Account, 








953 74 


Cash on hand, 








17,907 35 




$417,361 


29 


$417,361 29 


Number of Depositors, 






2,216 


Rate of ordinary dividends for the last year, 






6 per cent. 


No extra dividends. 








Largest amount invested in the stock of any one 


bank, 




$2,500 00 


Average annual expenses, 






1,400 00- 



68 



BANK COMMISSIONERS REPOET. [Jan. 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[September 27.] 
Jacob H. Loud, President. Treasurer, John J. Russell. 



Deposits, . 

Profits, 

Interest, . 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Real Estate, 

Loans on Public Funds, . 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

on Railroad Stock, . 

to Counties, Cities and Towns, 
Expense Account, 
Cash on hand, . 



.,812,084 70 

19,969 73 

28,423 89 

262 03 



$ 1,860,740 35 



$330,000 00 

419,275 00 

76,000 00 

7,918 95 

14,950 00 

10,100 00 

626,758 46 

93,597 17 

22,890 

251,346 

674 

7,229 



00 
25 
79 
73 



.,860,740 35 



Number of Depositors, . . . . . . . . . 6,636 

Rate of ordinary dividends for the last year, ..... 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $27,000 00 

Average annual expenses, 4,548 11 



PROVIDENT INSTITUTION FOR SAVINGS— BOSTON. 



John Amory Lowell, President. 



[March 19.] 



Treasurer, Peter Wainwright. 



Deposits, . . . . 


112,865,446 74 




Profit and Loss, 




, . , , 


368,372 57 




Interest, . 




■ • • 


102,586 04 




Suspense Account, 




. . . 


6,570 34 




Public Funds, . 




. • . 




$653,625 09 


Bank Stock, . , 




. • ■ 




1,193,100 00 


Railroad Bonds, 




. • • 




609,250 00 


Real Estate, 




, , , , 




50,000 00 


Loans on Public Funds, 


> • • . 




76,000 00 


on Bank Stock, 


... 




167,547 00 


on Real Estate, 


. . . 




4,538,968 00 


on Personal Security, . 




4,870,500 00 


on Railroad Stock, 




24,253 00 


to Counties, Cities and Towns, 




928,500 00 


Expense Account, 




5,986 25 


Cash On hand, 




225,246 35 








$13,342,975 69 


$13,342,975 69 



Number of Depositors, 33,917 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1867. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $188,100 00 

Average annual expenses, 36,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



69 



PROVIDENT INSTITUTION FOR SAYINGS— SALISBURY. 

[October 9.] 



William C. Binney, President. 



Treasurer, Thomas J. Clark. 



Deposits, 


$1,101,038 QQ 




Profits, 


. . • 


6,000 00 




Interest, . . . 


> • . . 


38,668 17 




Public Funds, . 


. . . 




$229,000 00 


Bank Stock, 


> . • . 




133,825 00 


Railroad Bonds, 


• . . 




55,000 00 


Real Estate, 


... 




2,500 00 


Loans on Real Estate, 


, , , 




- 183,050 00 


on Personal Security, ... 




249,700 00 


to Counties, Cities and Towns, 




273,000 00 


to Banks, on interest, . 




18,000 00 


Expense Account, 




1,049 73 


Cash on hand, . . . 




582 10 






$1,145,706 83 


$1,145,706 83 



Number of Depositors, . . 4,288 

Rate of ordinary dividends for the last year 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 1,750 00 



Edward Turner, President 



QUINCY SAVINGS BANK— QUINCY. 
[June 13.] 



Treasurer, George L. Gill. 



Deposits, 


$841,161 27 




Public Funds, . 


. . . 




$143,000 00 


Bank Stock, 


• . . 




56,262 74 


Railroad Bonds, 


. • . 




20,000 00 


Loans on Public Funds, 


. . • 




1,000 00 


on Bank Stock, 


• • . 




23,000 00 


on Real Estate, 


. . . 




567,503 81 


on Personal Security, . 




1,450 00 


to Counties, Cities and Towns, 




18,000 00 


Interest Account, . 




4,944 94 


Safe, furniture and fixtures, 




2,000 00 


Expense Account, 




408 09 


Cash on hand, 




3,591 69 






$841,161 27 


$841,161 27 



Number of Depositors, 2,631 

Rate of ordinary dividends for the last year, 6 per cent. 

*■ Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Average annual expenses, 2,200 00 



70 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Atherton Wales, President. 



RANDOLPH SAVINGS BANK— RANDOLPH 
[October 10.] 



Treasurer, Seth Turner. 



Deposits, . . . 


$499,818 79 




Interest, . 






17,587 35 




Bills Payable, . 






9,027 16 




Public Funds, . 








$71,000 00 


Bank Stock, 








63,200 00 


Railroad Bonds, 








85,000 00 


Loans on Public Funds, 








700 00 


on Bank Stock, 








10,200 00 


on Real Estate, 








178,250 00 


on Personal Security, 






63,100 00 


to Counties and Towns, 






42,500 00 


Premium Account, . 






1,110 81 


Expense Account, .... 






6,760 43 


Cash on hand, 






4,612 06 








$526,433 30 


$526,433 30 



Number of Depositors, 1,639 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . . Five years. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Average annual expenses, . 600 00 



Ephriam Hunt, President. 



READING SAVINGS BANK— READING. 

[October 2.] 



Treasurer, N. P. Pratt. 



Deposits, .... 
Interest, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$159,205 70 
2,352 34 



$161,558 04 



$13,800 00 

110,455 00 

30,739 24 

4,090 10 

2,473 70 



$161,558 04 



Number of Depositors, 

Rate of the ordinary dividends for the last year, 
No extra dividends. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



600 
6 per cent. 

$4,000 00 
700 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



71 



Henry Dennis, President. 



ROCKPORT SAVINGS BANK— ROCKPORT. 

[August 22.] 



Treasurer, Newell Giles. 



Deposits, . 

Profits, 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



|290,664 92 
2,356 78 



|293,021 70 



$62,191 75 
11,800 00 

164,600 25 

53,547 18 

882 52 



,021 70 



Number of Depositors, 1,036 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,973 50 

Average annual expenses, 1,000 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 
[August 21.] 
Henry L. Williams, President. Treasurer, Charles H. Henderson. 



Deposits, 


fl,541,724 96 




Profits, 


• . . 


9,204 83 




Public Funds, . 


. . . 




|158,668 22 


Bank Stock, 


. . . 




137,638 86 


Railroad Bonds, 


... 




32,320 00 


Loans on Public Funds, 


... 




23,100 00 


on Bank Stock, 


... 




1,100 00 


on Real Estate, 


. . . 




760,274 00 


on Personal Security, . 




300,346 50 


on Railroad Stock, 




4,950 00 


to Counties, Cities and Towns, 




111,287 50 


to Banks, on interest, 




18,800 00 


Cash on hand, ...... 




2,444 71 






$1,550,929 79 


$1,550,929 79 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



6,172 
6 per cent. 

$15,000 00 
3,900 00 



72 



BANK COMMISSIONERS EEPOET. 



[Jan. 



Joseph S. Cabot, President. 



SALEM SAVINGS BANK— SALEM. 

[August 20.] 



Treasurer y Charles E. Symonds. 



Deposits, 


15,277,416 67 




Profits, .... 


. • • 


176,719 98 




Public Funds, . 


■ . . . 




$1,237,000 00 


Bank Stock, 


. • • 




292,690 00 


Railroad Bonds, 


• . . . 




100,000 00 


Real Estate, 


• • • ■ . 




75,000 00 


Loans on Public Funds, 


■ . • . 




30,000 00 


on Bank Stock, 


■ . . . 




22,500 00 


on Real Estate, 


• . . . 




1,260,240 50 


on Personal Security, . 




1,009,876 00 


on Railroad Stock, 




9,000 00 


to Counties, Cities and Towns, 




. 1,309,500 00 


to Banks, on interest, 




95,000 00 


Cash on hand, 




13,330 15 






$5,454,136 65 


$5,454,136 65 



Number of Depositors, 15,651 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $60,000 00 

Average annual expenses, 11,000 00 



W. E. Botden, President 



SANDWICH SAVINGS BANK— SANDWICH 

[August 2.] 



Treasurer, Charles B. Hall. 



Deposits, . . . . 


$73,227 47 




Profits, 


4,826 06 




Public Funds, ...... 




$6,500 00 


Loans on Real Estate, .... 




40,655 30 


on Personal Security, 




23,575 00 


to Counties, Cities and Towns, 




. 3,675 67 


Cash on hand, 




3,647 56 




$78,053 53 


$78,053 53 



Number of Depositors, 468 

Bate of ordinary dividends for the last year, 6 per cent. 

No' extra dividends. 

Average annual expenses, $175 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



73 



John Beale, President. 



SCITUATE SAVINGS BANK— SCITUATE 
[September 3.] 



Treasurer , C. W. Prouty. 



Deposits, 

Profits, 

Interest, . . 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, . 

to Counties, Cities and Towns, 
Expense Account, . . . . 
Cash on hand, . . 



|134,790 30 
1,178 36 
1,409 03 



$137,377 69 



$1,100 00 

17,500 00 

90,037 00 

9,153 23 

12,270 00 

1,090 90 

6,226 56 



$137,377 69 



Number of Depositors, 362 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $7,000 00* 

Average annual expenses, 275 00 



SEAMEN'S SAVINGS BANK— PROVINCETOWN. 

[July 30.] 



David Fairbanks, President. 



Treasurer, J. H. Dyer. 



Deposits, . .... 


$513,137 53 




Profits, ........ 


10,715 25 




Interest, 


9,532 37 




Public Funds, . . . . . 




$89,500 00 


Bank Stock, . 




60,000 00 


Railroad Bonds, . . . . 




55,500 00 


Real Estate, . . 




1,341 84 


Loans on Real Estate, .... 




86,264 00 


on Personal Security, 




95,481 50 


to Counties, Cities and Towns, 




121,775 00 


Furniture and fixtures, .... 




1,806 95 


Expense Account, . . 




1,183 38 


Cash on hand, 




20,532 48 




$533,385 15 


$533,385 15 



Number of Depositors, 1,665 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $12,600 00 

Average annual expenses, ■. 2,500 00 



10 



74 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SHELBURNE FALLS FIVE CENTS SAVINGS BANK— SHELBURNE FALLS. 

[May 18.] 



F. A. Ball, President. 



Treasurer, A. K. Hawks. 



Deposits, 


$514,280 93 




Profits, 


• . . 


8,012 90 




Interest, . 


, , , 


212 11 




Public Funds, . 


. . . 




$23,000 00 


Bank Stock, 


... 




44,400 00 


Real Estate, 


• • • 




5,500 00 


Loans on Bank Stock, 


.'..'.■• 




2,500 00 


on Real Estate, 


• . . . 




315,775 00 


on Personal Security, . 




100,040 57 


to Counties, Cities and Towns, 




15,000 00 


to Banks, on interest, . . 




13,867 35 


Cash on hand, 




2,423 02 






$522,505 94 


$522,505 94 



Number of Depositors, 2,450 

Bate of ordinary dividends for the last year, . . . . . . 6 per cent. 

No extra dividends. 

Largest amount invested in any one hank, $18,000 00 

Average annual expenses, . . . . . . . . . 1,500 00 



SOUTHBRIDGE SAVINGS BANK— SOUTHBRIDGE 

[October 22.] 



Samuel Hartwell, President. 



Treasurer, S. M. Lane. 



Deposits, 


$674,932 91 




Profits, 


, , , 


5,221 14 




Interest, 


... 


7,844 86 




Public Funds, . 


... 




$236,800 00 


Bank Stock, 


• • . 




56,000 00 


Loans on Public Funds, 


, • , 




35,850 00 


on Bank Stock, 


. . . 




2,100 00 


on Real Estate, 


• • . 




255,321 50 


on Personal Security, 




72,700 00 


to Counties, Cities and Towns, 




'15,400 00 


to Banks, on interest, 




13,000 00 


Expense Account, 




182 97 


Tax Account, . . . , . 




561 27 


Cash on hand, . . . 




83 17 






$687,998 91 


$687,998 91 



Number of Depositors, 2,260 

Rate of ordinary dividends for the last year, ..... 5 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends are made once in ' . . Three years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Average annual expenses, . . . » 1,967 52 



1873,] 



PUBLIC DOCUMENT— No. 8. 



75 



H. J. Bliss, President. 



SOUTH ADAMS SAVINGS BANK— SOUTH ADAMS. 

[May 29.] 



Treasurer, H. H. "Wellington. 



Deposits, . 




$183,484 90 




Interest, . 


.... 


3,699 37 




Bank Stock, 


• • • • 




$18,900 00 


Loans on Bank Stock, 


.... 




10,900 00 


on Real Estate, 


• . • . 




54,875 00 


on Personal Security, . . 1 




93,525 00 


to Counties, Cities 


and Towns, 




1,000 00 


to Banks, on interest, 




4,320 00 


Premium Account, . 


.... 




3,140 00 


Expense Account, 


.... 




398 82 


Cash on hand, . 






125 45 




|187,184 27 


$187,184 27 



Number of Depositors, 654 

Bate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in . Five years. 

Average annual expenses, . . . $500 00 



F. W. Nickerson, President. 



SOUTH BOSTON SAVINGS BANK— BOSTON. 

[March 1.] 



Treasurer, D. McB. Thaxter. 



Deposits, 


$871,435 21 




Suspense Account, . . . 


4 50 




Public Funds, 




$101,800 00 


Bank Stock, . . , . 




1,300 00 


Railroad Bonds, 




25,000 00 


Real Estate, ...... 




55,527 63 


Loans on Real Estate, .... 




537,627 77 


on Personal Security, 




66,000 00 


to Counties, Cities and Towns, 




43,977 42 


Furniture and fixtures, .... 




1,632 95 


Premium Account, 




10,081 00 


Interest Account, ..... 




9,504 01 


Expense Account, . . . 




365 19 


Profit and Loss Account, .... 




2,969 67 


Cash on hand, 




15,654 07 




$871,439 71 


$871,439 71 



Number of Depositors, 4,160 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Average annual expenses, $2,100 00 



76 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH SCITUATE SAVINGS BANK— SOUTH SCITUATE. 

[August 29.] 



Moses F. Rogers, President. 



Treasurer, E. T. Fogg. 



Deposits, . 

Profits and Interest, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, . . . 



$344,571 48 
3,230 47 



$347,801 95 



$10,850 00 

50,700 00 

233,727 02 

40,260 00 

8,032 00 

4,232 93 



$347,801 95 



Number of Depositors, 1,019 

Rate of ordinary dividends for the last year, . . . ... 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,500 00 

Average annual expenses, 800 00 



SOUTH WEYMOUTH SAVINGS BANK— SOUTH WEYMOUTH. 

[September 24.] 



Albert Tikrell, President. 



Treasurer, B. F. White. 



Deposits, .... 

Profits and Interest, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
to Banks, on interest, 

Expense Account and Taxes, 

Cash on hand, . 



$210,474 75 
878 -89 



$211,353 64 



1,286 24 

106,169 66 

12,931 37 

3,871 00 

498 37 

4,597 00 



$211,353 64 



Number of Depositors, 640 

Rate of ordinary dividends for the last year, ...... 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $12,910 25 

Average annual expenses, . . 400 00 



1873.] 



PUBLIC DOCUMENT— -No. 8, 



77 



SPRINGFIELD FIVE CENTS SAVINGS BANK— SPRINGFIELD. 

[May 8.] 



Joseph C. Pynchon, President. 



Treasurer, Daniel J. Marsh. 



Deposits, 


$1,073,400 00 




Profits, 


• * . ■ 


14,356 21 




Public Funds, . 


i • • . 




$260,000 00 


Bank Stock, 


i • • t 




44,500 00 


Loans on Public Funds, 


19.. 




16,220 00 


on Bank Stock, 


, , . 




23,300 00 


on Real Estate, 


... 




731,200 00 


Cash on hand, . 


. 




12,536 21 






$1,087,756 21 


$1,087,756 21 



Number of Depositors, 4,829 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $9,400 00 

Average annual expenses, 3,862 75 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[May 11.] 



James M. Thompson, President. 



Treasurer, Henry S. Lee. 



Deposits, . . , . 


$5,022,554 


25 




Profits, • | 








25,109 


48 




Public Funds, . 












$1,025,935 00 


Bank Stock, 












413,900 00 


Real Estate, 












99,874 61 


Loans on Public Funds, 












130,000 00 


on Bank Stock, 












109,850 00 


on Real Estate, 












2,947,000 00 


on Personal Security, 










83,250 00 


on Railroad Stock, 










3,600 00 


to Counties, Cities and Towns, 






226,600 00 


Cash on hand, 






7,654 12 










$5,047,663 


73 


$5,047,663 73 



Number of Depositors, . 13,524 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,400 00 

Average annual expenses, 8,103 73 



78 



BANK COMMISSIONEB'S EEPOET. 



[Jan. 



Wm. Upham, President. 



SPENCER SAVINGS BANK—SPENCER. 
[May 21.] 



Treasurer, Erastus Jones. 



Deposits, 


. $26,459 82 




Interest, 


247 40 




Bank Stock, 




$2,500 00 


Loans on Real Estate, .... 




14,100 00 


on Personal Security, 




5,000 00 


to Counties, Cities and Towns, 




4,000 00 


Premium Account, ..... 




274 62 


Expense Account, . . .* 




23 47 


Cash on hand, 




809 13 




$26,707 22 


$26,707 22 



Number of Depositors, 



122 



STONEHAM PIVE CENTS SAVINGS BANK— STONEHAM. 

[October 29.] 



Ben.ta. F. Richardson, President, 



Treasurer, Ira Gerry. 



Deposits, . . . ... 


$255,644 97 




Profits and Interest, , 


13,031 43 




Public Funds, 




$10,000 00 


Bank Stock, 




5,100 00 


Loans on Real Estate, .... 




188,811 25 


on Personal Security, 




35,850 58 


to Counties, Cities and Towns, 




25,000 00 


Cash on hand, 




3,914 57 




$268,676 40 


$278,676 40 



Number of Depositors, 1,143 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . Two years. 

Largest amount invested in the stock of any one bank, . . . $2,000 00 

Average annual expenses, . 1,000 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



79 



STOCKBRIDGE SAVINGS BANK—SOUTHBRIDGE. 

[May 28.] 



Marshall Warner, President. 



Treasurer, H. J. Dunham. 



Deposits, .... 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



,935 21 



562 88 




374 33 






$14,435 00 




2,610 00 




297 48 




1,592 73 



,935 21 



Number of Depositors, 93 

Rate of ordinary dividends for the last year, 6 per cent. 

Average annual expenses, $297 48 



Thomas Lamb, President. 



SUFFOLK SAVINGS BANK—BOSTON. 
[March 14.] 



Treasurer, Chas. Henry Parker. 



Deposits, . ■ 


$6,407,794 16 




Profits, 








418,301 73 




Public Funds, . 










$1,007,600 00 


Bank Stock, 










432,625 00 


Railroad Bonds, 










130,000 00 


Real Estate, 










200,595 71 


Loans on Bank Stock, 










20,000 00 


on Real Estate, 










2,281,408 92 


on Personal Security, 








2,617,500 00 


on Railroad Stock, 








50,000 00 


to Banks, on interest, 








44,276 60 


Furniture Account, . 








1,994 00 


Expense Account, 








9,406 04 


Cash on hand, .... 








30,689 62 










$6,826,095 89 


$6,826,095 89 



Number of Depositors, 17,462 

Bate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $62,400 00 

Average annual expenses, 22,853 56 



80 



BANK COMMISSIONER'S REPORT. [Jan. 



William Lovering, President. 



TAUNTON SAVINGS BANK— TAUNTON. 
[October 10.] 



Treasurer, Henry R. Wood. 



Deposits, 


fl,061,559 26 




Profits, .... 






2,807 43 




Interest, .... 






28,508 54 




Public Funds, . 








$27,150 00 


Bank Stock, 








55,534 62 


Railroad Bonds, 








30,000 00 


Loans on Public Funds, . 








4,600 00 


on Bank Stock, 








19,400 00 


on Real Estate, 








720,211 70 


on Personal Security, 








225,185 00 


Expense Account, . 








554 25 


Cash on hand, . 








10,239 66 


■ 






$1,092,875 23 


$1,092,875 23 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Average annual expenses, . . . . . 



3,163 

7 per cent. 

$27,200 00 
2,000 00 



Edwin Sawyer, President. 



TEMPLETON SAVINGS BANK— TEMPLETON. 
[April 26.] 



Treasurer, Otis D. Sawin. 



Deposits, 

Interest, 

Bills Payable, 

Loans on Real Estate, 

on Personal Security, . 
Dividend Account, .... 

Expense Account, 

Cash on hand, ; 


$17,745 50 

343 79 

1,000 00 


$15,060 00 

3,200 00 

50 07 

191 47 

587 75 




$19,089 29 


$19,089 29 



Number of Depositors, 

Bate of the ordinary dividends for the last year, 



111 

6 per cent. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



81 



UNION INSTITUTION FOR SAVINGS— BOSTON. 

[March 7.] 



John C. Crowley, President. 



Treasurer, George F. Emery. 



Deposits, 


$3,063,717 49 




Interest, 


89,786 27 




Bank Stock, .* 




$12,018 00 


Railroad Bonds, 




21,200 00 


Real Estate, ...... 




274,800 00 


Loans Real Estate, 




2,282,648 10 


on Personal Security, 




340,568 46 


to Counties, Cities and Towns, 




149,000 00 


to Banks, on interest, . . . 




24,282 57 


Expense Account, 




7,343 26 


Cash on hand, 




41,643 37 




$3,153,503 76 


$3,153,503 76 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1870. 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Average annual expenses, 



8,971 
6^ per cent. 



$12,018 00 
9,000 00 



Augustus Chace, President. 



UNION SAVINGS BANK— FALL RIVER. 

[November 13.] 



Treasurer, D. A. Chapin. 



Deposits, 


$625,617 84 




Profits, 








24,916 05 




Public Funds, . 










$10,000 00 


Bank Stock, 










18,800 00 


Real Estate, 










29,499 17 


Loans on Bank Stock, 










1,000 00 


on Real Estate, 










321,530 97 


. on Personal Security, 








234,594 00 


to Counties, Cities and Towns, 




10,000 00 


Cash on hand, 




25,109 75 










$650,533 89 


$650,533 89 



Number of Depositors, 1,476 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $13,640 00 

Average annual expenses, 900 00 

11 



82 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Moses Taft, President. 



UXBRIDGE SAVINGS BANK— UXBRIDGE. 

[April 18.] 



Treasurer, C. A. Taft. 



Deposits, . . 

Interest, ' . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate., 
on Personal Security, 

Expense Account, . 

Cash on hand, . 



$111,393 12 
3,067 11 



$114,460 23 



$18,977 12 

4,500 00 

54,250 00 

26,825 00 

1,364 03 

8,544 08 



$114,460 23 



Number of Depositors, . . . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



536 
6 per cent. 

$5,610 00 
425 00 



WAKEFIELD SAVINGS BANK— WAKEFIELD. 
[October 3.] 



Cyrus Wakefield, President. 



Treasurer, M. S. Southworth. 



Deposits, . . . 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 




$56,300 00 

21,487 56 

945 51 

1,272 36 



,005 43 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
No extra dividends. 



634 
6 per cent. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



83 



Elijah Shaw, President. 



WALES SAYINGS BANK— WALES. 
[May 1.] 



Treasurer, J. C. Burley. 



Deposits, . 

Profits, 

Bank Stock, 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, 
to Banks, on interest, 

Cash on hand, . 




^7,815 00 

100 00 

5,908 00 

2.396 00 

7.397 67 
507 44 



$24,124 11 



Number of Depositors, 146 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Extra dividends are made once in . . . . ... . Five years. 

Largest amount invested in the stock of any one bank, . . . $2,400 00 

Average annual expenses, 50 00 



Horatio Moore, President. 



WALTHAM SAVINGS BANK— WALTHAM. 
[December 30.] 



Treasurer, J. S. Williams. 



Deposits, . 




fl,242,906 14 




Interest, . 


.... 


315 81 




Public Funds, . 


.... 




$45,000 00 


Bank Stock, 


• ." . ■ 




65,625 00 


Railroad Bonds, 


.... 




10,000 00 


Loans on Real Estate, 


• . . • 




743,608 00 


on Personal Security, . . 




203,375 00 


to Counties, Cities and Towns, 




122,800 00 


Premium Account, . 


. . • • 




2,900 00 


Expense Account, . 


. • • . 




3,500 00 


Cash on hand, . 






46,413 95 




$1,243,221 95 


$1,243,221 95 



Number of Depositors, 4,100 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $11,935 00 

Average annual expenses, 2,000 00 



84 



BANK COMMISSIONER'S EEPOET. [Jan. 



Wm. Hyde, President. 



WARE SAVINGS BANK— WARE. 

[May 2.] 



Treasurer, Otis Lane. 



Deposits, 


$1,379,467 


22 




Interest, . 


. . 


11,375 


35 




Public Funds, . 


• « . 






$365,000 00 


Bank Stock, 


. . . 






223,000 00 


Railroad Bonds, 


. . . 






20,000 00 


Loans on Public Funds, 


• • « 






7,950 00 


on Bank Stock, 


, . , 






13,850 00 


on Real Estate, 


... 






267,220 00 


on Personal Security, 






251,160 00 


to Counties, Cities and Towns, 






214,880 00 


Expense Account, 






1,030 71 


Cash on hand, . . . . . 






26,751 86 






$1,390,842 


57 


$1,390,842 57 



Number of Depositors, 3,713 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $30,100 00 

Average annual expenses, 3,800 00 



Isaac Pratt, President. 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 3.] 



Treasurer, Thomas R. Miles. 



Deposits, . . . .■■.*'. 


$442,388 


34 




Interest, 


31,239 


88 




Bank Stock, . . . ... 






$189,562 84 


Railroad Bonds, 






14,910 05 


Loans on Bank Stock, . 






20,950 00 


on Real Estate, .... 






51,700 00 


on Personal Security, . 






165,514 07 


on Railroad Stock, 






9,000 00 


to Counties, Cities and Towns, 






5,000 00 


Expense Account, 






2,922 21 


Cash on hand, ...;... 






14,069 05 




$473,628 


22 


$473,628 22 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,479 
7 per cent. 

$24,414 50 
1,238 38 



1873.] 



PUBLIC DOCUMENT— No. 8. 



85 



WARREN FIVE CENTS SAVINGS BANK— PEABODY. 
[October 25.] 



George Osborn, President. 



Treasurer, Francis Baker. 



Deposits, . 




$828,008 47 




Profits, 


, 






22,435 25 




Reserve Fund, . 


, 






3,989 00 




Public Funds, . 


, 








$181,000 00 


Bank Stock, 


, 








84,473 00 


Railroad Bonds, 


. 








3,000 00 


Loans on Real Estate, 


, 








513,380 00 


on Personal Security, 








12,100 00 


to Counties, Cities and Towns, 




44,712 50 


Cash on hand, . 


. 




15,767 22 










$854,432 72 


$854,432 72 



Number of Depositors, . . 2,826 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $16,500 00 

Average annual expenses, 1,600 00 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[October 11.] 



James Adams, President. 



Treasurer, George F. Tufts. 



Deposits, 


$3,165,814 60 




Profit and Loss, . . . . . 


86,179 57 




Interest, ... ... 


44,086 36 




Rent Account 


2,542 61 




Public Funds, . . 




$315,185 89 


Bank Stock, * 




75,200 00 


Real Estate, 




50,000 00 


Loans on Real Estate, 




2,190,454 05 


on Personal Security, 




354,900 00 


to Counties, Cities and Towns, 




179,585 00 


Interest Accrued, 




46,278 25 


Expense Account, . 




4,324 71 


Cash on hand, . . . • . . 




82,695 24 




$3,298,623 14 


$3,298,623 14 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



9,395 
6^ per cent. 

$15,000 00 
7,918 12 



86 



BANK COMMISSIONER'S EEPORT. 



[Jan. 



WATERTOWN SAVINGS BANK— WATERTOWN. 
[December 19.] 



Charles J. Barry, President 



Treasurer, John K. Stickney. 



Deposits, . . . . . 


|54 


,412 


91 




Interest, 




674 7 




Bank Stock, . 








$4,100 00 


Loans on Public Funds, .... 








200 00 


on Real Estate, .... 








32,600 00 


on Personal Security, 








6,100 00 


to Counties, Cities and Towns, 








6,900 00 


Furniture and fixtures, . 








1,180 00 


Expense Account, 








303 05 


Cash on hand, . . . . . 








3,704 57 




$55,087 


62 


$55,087 62 



Number of Depositors, 285 

Rate of ordinary dividends for the last year, 6 per cent. 

Largest amount invested in the stock of any one bank, . . . $2,100 00 

Average annual expenses, . . . 253 25 



WEBSTER FIVE CENTS SAVINGS BANK— WEBSTER. 
[October 22.] 



Henry H. Stevens, President. 



Treasurer, Edwin May. 



Deposits, ... 

Bank Stock, 

Furniture Account, . 

Loans on Public Funds, 
on Real Estate, 
on Personal Security, . 
to Counties, Cities and Towns, 
to Banks, on interest, . . ' 

Interest Account, .... 

Expense Account, .... 

Cash on hand, ...... 




$29,785 50 

1,550 00 

1,500 00 

123,875 00 

17,605 00 

20,000 00 

3,640 49 

26 85 

323 54 

105 29 



$198,412 17 



Number of Depositors, 1,400 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $7,000 00 

Average annual expenses, 800 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



87 



WELLFLEET SAVINGS BANK— WELLFLEET. 
[July 31.] 



Richard R. Freeman, President. 



Treasurer, Thomas Kemp. 



Deposits, 


$229,374 


38 




Profits, 


6,782 


06 




Bills Payable, 


1,242 


76 


* 


Bank Stock, * . 






$130,879 54 


Railroad Bonds, 






14,902 61 


Loans on Real Estate, .... 






13,500 00 


on Personal Security, 






• 57,537 00 


to Counties, Cities and Towns, 






20,175 00 


Expense Account, . 






288 59 


Cash on hand, 






16 46 




$237,399 


20 


$237,399 20 



Number of Depositors, 

R-ate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



909 
7 per cent. 

$17,006 62 
600 00 



Cyrus Fay, President. 



WESTBOROUGH SAVINGS BANK— WESTBOROUGH. 
[April 29.] 



Treasurer, Geo. O. Brigham. 



Deposits, 


$113,436 99 




Interest, 


758 16 




Bank Stock, ...... 




$17,600 00 


Loans on Real Estate, .... 




76,880 00 


on Personal Security, 




13,900 00 


to Counties, Cities and Towns, 




2,000 00 


Premium Account, 




3,641 33 


Expense Account, 




5 75 


Cash on hand, 




168 07 




$114,195 15 


$114,195 15 



Number of Depositors, . 

Rate of ordinary dividends for the last year, . • . 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



543 
6£ per cent. 



5,600 00' 
350 00 



88 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WEST BOSTON SAVINGS BANK— BOSTON. 

[February 26.] 
Franklin Haven, President. Treasurer, James H. Wilder. 



Deposits, . 


12,036,020 10 




Profits, . 




1,156 13 




Interest, . • ., 




15,409 82 




Bank Stock, 


- 






$164,825 87 


Loans on Public Funds, . 








43,800 00 


on Real Estate, 








1,569,804 04 


on Personal Security, 








239,530 30 


on Railroad Stock, 








7,450 00 


Expense Account, 








* 3,967 73 


Cash on hand, . 








23,208 11 








$2,052,586 05 


$2,052,586 05 



Number of Depositors, . . . 5,984 

Bate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,632 75 

Average annual expenses, 5,000 00 



Charles A. Jessup, President. 



WESTFIELD SAVINGS BANK— WESTFIELD 
[May 10.] 



Treasurer, V. W. Crawson. 



Deposits, . 


$638,608 94 




Profits, .... 


. . . 


2,624 35 




Interest, . 


. . . 


3,382 62 




Suspense Account, . 


. . . 


363 29 




Public Funds, . 


. . . 




$172,000 00 


Bank Stock, 


... 




19,000 00 


Loans on Public Funds, 


■ • . • 




6,690 42 


on Bank Stock, 


■ . . • 




2,200 00 


on Real Estate, 


• . . . 




249,880 00 


on Personal Security, 




144,034 27 


to Counties, Cities and Towns, 




31,500 00 


Premium Account, 




3,500 00 


Tax Account, ...... 




5,157 23 


JExpense Account, . . . .• 




1,378 04 


Cash on hand, 




9,639 24 






$644,979 20 


$644,979 20 



Number of Depositors, 2,400 

Rate of ordinary dividends for the last year, . . . . • . 6 per cent. 
Last dividend of reserved profits, in 1868. 

•Extra dividends are made once in Five years. 

.Largest amount invested in the stock of any one bank, . ' . . $15,800 00 

Average annual expenses, 1,200 00 



1873.] 



PUBLIC DOCUMENT— No. 8. 



89 



John W. Loud, President. 



WEYMOUTH SAVINGS BANK— WEYMOUTH. 
[July 24.] 



Treasurer, Amos S. White. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, . 



|700,749 85 
3,613 52 



|704,363 37 



$119,000 oo 

61,700 00 
10,000 00 
431,911 00 
65,574 00 
11,000 00 
5,178 37 



|704,363 37 



Number of Depositors, .......... 2,391 

Rate of ordinary dividends for the last year, . . . .- . 6 per cent. 

Last dividend of reserved profit, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $31,500 00 

Average annual expenses, 1,200 00 



WINCHENDON SAVINGS. BANK— WINCHENDON. 
[April 25.] 



E. Mttrdock, Jr., President. 



Treasurer, C. L. Beals. 



Deposits, ... 




$436,390 63 




Interest, . 


. 






21,809 18 




Public Funds, . 


. 








$61,500 00 


Bank Stock, 










34,600 00 


Railroad Bonds, 


, 








969 90 


Loans on Real Estate, 










135,400 20 


on Personal Security, 








213,285 83 


Furniture Account, . 










1,200 90 


Premium Account, . 


, 






• ■ 


1,150 00 


Expense Account, 










2,286 52 


Cash on hand, . 










7,807 36 










$458,199 81 


$458,199 81 



Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in ...... . 

Largest amount invested iu the stock of any one bank, 



6 per cent. 

Three years. 
$10,000 00 



12 



90 



BANK COMMISSIONER'S REPORT. 



[Jan . 



D. N. Shillings, President. 



WINCHESTER SAVINGS BANK— WINCHESTER. 
[September 28.] 



Treasurer, John T: Manney. 



Deposits, .... 

Interest, .... 

Loans on Real Estate, 

on Personal Security, 
to Banks, on interest, 

Furniture Account, . 

Expense Account, 

Cash on hand, . . 



|41,218 06 
1.139 94 



|42,358 00 



$23,400 00 

17,233 54 

1,119 28 

239 90 

159 31 

205 97 



$42,358 00 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 



290 
6 per cent. 



WOBTJRN FIVE CENTS SAVINGS BANK— WOBURN. 

[November 27.] 



Stephen Dow, President. 



Treasurer, James N. Dow. 



Deposits, ..... 


$353,301 ' 


40 




Interest, . 






8,985 


15 




Public Funds, . 










$40,000 00 


Bank Stock, 










20,141 00 


Loans on Public Funds. . 










10,750 00 


on Bank Stock, 










10,000 00 


on Real Estate, 










187,362 16 


on Personal Security, 










86,800 00 


to Counties, Cities and Towns, 






2,500 00 


Cash on hand, 






4,733 39 








$362,286 


55 


$362,286 55 



Number of Depositors, • . . . 2,231 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in . . . . . . . Three years. 

Largest amount invested in the stock of any one bank, . . . $6,070 00 

Average annual expenses, 1,300 15 



1873.] 



PUBLIC DOCUMENT— No. 8. 



91 



WORCESTER COUNTY INSTITUTION FOR SAVINGS— WORCESTER. 

[April 3.] 



A. H. Bullock, President. 



Treasurer, Charles A. Hamilton. 



Deposits, . . . 


$4,697,955 65 




Profits, 


33,136 37 




Interest, . . ... 


87,289 12 




Suspense Account, 


59,083 78 




Dividend Account, 


134,253 28 




Public Funds, . . . • . 




$855,300 00 


Bank Stock, 




778,250 00 


Loans on Public Funds, .... 




30,100 00 


on Bank Stock, .... 




12,345 00 


on Real Estate, . . . 




2,572,327 00 


on Personal Security, 




239,601 00 


to Counties, Cities and Towns, 




453,300 00 


to Banks, on interest, 




47,860 53 


Expense Account, 




2,556 21 


Premium Account, . . . . . 




10,607 07 


Cash on hand, ...... 




9,471 39 




$5,011,718 20 


$5,011,718 20 



Number of Depositors, 14,805 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . . $50,000 00 

Average annual expenses, . . . .... .* . 9,000 00 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

[April 12.] 
Charles L. Putnam, President. Treasurer, George W. Wheeler. 



Deposits, ..... 


$920,462 13 




Profits, 


... 


28,534 62 




Suspense Account, . 


. . . 


200 00 




Public Funds, . 


... 




$110,000 00 


Bank Stock, 


. . 




110,900 00 


Railroad Bonds, 


... 




10,000 00 


Loans on Public Funds, 


... 




5,850 00 


on Bank Stock, 


. . . 




10,000 00 


on Peal Estate, 


... 




398,732 00 


on Personal Security, 




4,400 00 


to Counties, Cities and Towns, 




276,500 00 


Expense Account, 




988 96 


Cash on hand, . • 




21,825 79 






$949,196 75 


$949,196 75 



Number of Depositors, . . . . ' 5,621 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $ 10,000 00 

Average annual expenses, 3,500 00 



92 



BANK COMMISSIONERS KEPORT. 



[Jan. 



WORCESTER MECHANICS' SAVINGS BANK— WORCESTER. 

[April 11.] 



Harrison Bliss, President. 



Treasurer, H. Woodward. 



Deposits, 


$2,165,199 13 




Interest, ... .•'.-. 


34,718 31 




Public Funds, 




$387,700 00 


Bank Stock, ...... 




167,900 00 


Loans on Public Funds, .... 




12,200 00 


on Bank Stock, .... 




9,700 00 


on Real Estate, . 




1,338,329 50 


on Personal Security, 




172,271 62 


on Railroad Stock, 




32,300 00 


to Counties, Cities and Towns, 




22,000 00 


Premium Account, ..... 




8,916 25 


Expense Account, . . .'■•'-. 




2,005 32 


Cash on hand, ...... 




46,594 75 




$2,199,917 44 


$2,199,917 44 



Number of Depositors, . . 5,437 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1867. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $28,700 00 

Average annual expenses, ' 5,500 00 

» — 



WORCESTER NORTH SAVINGS INSTITUTION— FITCHBURG. 

[April 25.] 



Augustus Whitman, President. 



Treasurer, Henry A. Willis. 



Deposits, 


■ $733,637 37 




Profits, . . 






7,199 37 




Public Funds, ... 








$10,756 25 


Bank Stock, 








23,121 50 


Railroad Bonds, 








26,910 00 


Loans on Bank Stock, 








1,200 00 


on Real Estate, 








360,528 39 


on Personal Security, 








254,385 00 


on Railroad Stock, 






3,800 00 


to Counties, Cities and Town 


s, . 




31,250 00 


to Banks, on interest, 






20,000 00 


Expense Account, 






1,577 17 


Cash on hand, ..... 






7,008 43 








$740,836 74 


$740,836 74 



Number of Depositors, . . . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Average annual dividends, . . • . . 



2,022 
6 per cent. 

$5,737 50 
1,400 00 



1873.] 



PUBLIC DOCUMENT— No. 8, 



93 



Samuel Horton, President. 



WORONOCO SAVINGS BANK— WESTFIELD 

[May 10.] 



Treasurer, R. Weller. 



Deposits, 


$139,109 18 




Loans on Public Funds, .... 




$18,700 00 


on Bank Stock, .... 




3,780 00 


on Real Estate, .... 




64,621 25 


on Personal Security, 




35,650 ,00 


to Counties, Cities and Towns, 




12,000 00 


Expense Account, 


. 


333 26 


Cash on hand, 




4,024 67 




|139,109 18 


$139,109 18 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 



410 
6 per cent. 



WORCESTER SAFE DEPOSIT AND TRUST COMPANY— WORCESTER. 

[October 23.] 



George M. Rice, President. 



Secretary, E. B. Bisco. 



Capital Stock, 


$200,000 00 




Deposits, . 








1,150,704 60 




Certificates of Deposit, 








110,866 41 




Interest, ... 








1,110 53 




Exchange, 








9 80 




Commissions, . 








98 75 




Safe Rental, 








2,154 50 




Deposit Premium, 








519 00 




Profit and Loss, 








7,640 80 




Surplus Fund, . 








25,000 00 




Dividend Account, . 








400 00 




United States Bonds, 










$88,050 00 


City and Town Bonds, 










72,312 50 


Railroad Bonds, 










152,000 00 


Bank Stock, 










32,455 00 


Demand Loans, 










43,595 00 


Loans on U. S. Bonds, 










28,940 00 


on Real Estate, 


/ 








160,000 00 


Notes Receivable, 










768,308 15 


Real Estate, 










32,341 22 


Furniture and fixtures, 










11,377 33 


Premium Account, . 










12,321 35 


Clearing House Deposit, 










700 00 


Due from National Banks 


? 








39,051 73 


Expense, .... 










214 44 


Cash Items, 










33 76 


Cash, .... 










56,803 91 










$1,498,504 39 


$1,498,504 39 



94 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW ENGLAND TRUST COMPANY— BOSTON. 
[October 30.] 



Amos A. Lawrence, President. 



Actuary, Jacob H. Loud. 



Capital Stock, 


$500,000 00 




Deposits, . 








2,620,691 22 




Interest, . 








66,924 28 




Commissions, . 








2,125 70 




Trust Accounts, 


■» 






102,238 35 




Furniture and fixtures, 








283 08 




Profit and Loss, 








29,398 09 




Investments of Capital Stock, 








$500,000 00 


of Deposits, 








2,535,058 89 


for Trust Accounts, 






99,096 19 


Income of General Trust Fund, 






662 71 


Expense, 






7,630 48 


Stock in New England Trust Company, . 




5,338 82 


Cash, ' . 




173,873 63 










$3,321,660 72 


$3,321,660 72 



Investments. 

City Bonds, $9,000 00 

Railroad Bonds, 496,490 61 

Loans on Real Estate, 211,227 50 

Notes Receivable, 2,417,436 97 



CHAPIN BANKING AND TRUST COMPANY— SPRINGFIELD. 

[November 10.] 



Chester W. Chapin, President. 



Cashier, James D. Safford. 



Capital Stock, paid in gold, . 


$500,000 00 




Premium, 






75,000 00 




Discount, .... 






28,172 53 




Interest, 






4,370 80 




Exchange, 






1,277 19 




Deposits, .... 






525,515 99 




Due to National Banks, . 






17,068 69 




Loans and Discounts, 








$977,916 09 


Expense Account, . 








2,107 98 


Furniture and fixtures, 








636 25 


Due from National Banks, 








136,109 23 


Cash Items, ... 








15,227 37 


Cash, .... 








19,408 28 








$1,151,405 20 


$1,151,405 20 



1873.] 



PUBLIC DOCUMENT— No. 8. 



95 



John Bigelow, President. 



COLLATERAL LOAN COMPANY— BOSTON. 

[December 10.] 



Cashier, E. B. Foster. 



Capital Stock 

Interest Account, 


$113,500 00 

7,222 65 




Dividend Account, 


608 00 


' 


Notes Payable, . • 

Auction Sale, 


20,500 00 

4,852 85 




Reserve Account, . ' . 


75 08 




Storage Account, . • . 


24 50 




Loans with pledge of goods and chattels, 
Profit and Loss Account, .... 




$ 130,143 63 
5,061 02 


United States Bonds, .... 




4,000 00 


Furniture and Fixtures, .... 




1,000 00 


Expense Account, 

General Interest Account, 




4,103 32 
190 41 


Insurance Aecount, . . . 




414 65 


Cash, 




1,870 05 




|146,783 08 


|146,783 08 



ABSTRACT 



OF THE 



ANNUAL RETURNS 



OF THE 



SAYINGS BANKS . 



1872. 



13 



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PUBLIC DOCUMENT—No. 8, 



117 



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166 



BANK COMMISSIONER'S REPORT. 



[Jan. 



AGGKEGATES. 



18 7 2. 

One hundred and 

seventy-two Savings 

Banks. 



1871. 

One hundred and 
sixty Savings 
Banks. 



Number of Depositors, 

Amount of Deposits, . 

Number of Deposits during the last 

year, . . " . ' . 
Amount of the same, . 
Number of Deposits during the last 

year of and exceeding f 300 at one 

time, 

Amount of the same, . 

Number of withdrawals during the last 

year, 

Amount of the same, „ 

Number of accounts opened during the 

last year, ... 
Number of accounts closed during the 

last year, 

Amount of surplus on hand, 

Public Funds, .... 

Loans on public funds, 

Bank Stock, ..... 

Loans on bank stock, . 

Deposits in banks bearing interest, 

Railroad Bonds, .... 

Loans on railroad stock, 

Invested in real estate, 

Loans on mortgage of real estate, 

Loans to counties, cities and towns, 

Loans on personal security, . 

Cash on hand, .... 

Average rate of ordinary dividends for 

the last year, .... 
Aggregate amount of ordinary divi 

dends for the last year, 
Annual Expenses of the institutions, 



630,246 
^184,797,313 92 



702,138 
,034,129 72 



44,514 
,201,563 68 



389,382 
K3,895,674 16 

148,612 

88,378 

13.045,247 21 

21,998,497 39 

1,680,283 28 

16,972,805 21 

1,521,715 55 

1,729,486 79 

4,602,567 24 

545,020 66 

1,968,435 80 

89,684,246 17 

12,464,761 52 

33,329,244 27 

1,657,499 45 

6-/^ per cent. 

f9,622,775 '26* 
469,681 80 



561,201 
$163,704,077 54 

634,359 
$58,409,503 79 



45,684 

$26,992,748 51 

337,985 

$34,888,870 82 

146,664 

73 986 

$2,894^043 45 

24,918,341 22 

1,150,476 60 

16,046,834 89 

1,275,945 19 

1,313,403 94 

2,259,957 85 

468,352 66 

1,700,325 32 

74,396,622 97 

14,221,097 10 

25,995,562 34 

1,371,898 04 

6^ T per cent. 

$8,103,004 24f 

429,080 09 



The investment in United States "bonds is $13,769,449.02; in State, city and town bonds, 
$8,229,048.37. 

* Calculated on the returns of 161 Banks, — 11 Banks not having declared dividends when 
their returns were made. 

t Calculated on the returns of 141 Banks. 



1873.] 



PUBLIC DOCUMENT— No. 8. 



167 



The following statements were duly made to the Commis- 
sioner of Savings Banks, in accordance with provisions of the 
Acts establishing the Collateral Loan Company of Boston, 
the Worcester Safe Deposit and Trust Company, and the 
New England Trust Company. 



CONDITION OF THE COLLATERAL LOAN COMPANY, 
October 26, 1872. 



Capital Stock, ...... 

Dividend account, 


$113,500 00 
820 00 




Reserve account, . ... 


350 25 




Net profits (estimated), .... 

Notes payable, 

Proceeds of auction sale, 


4,784 50 
10,500 00 

4,852 85 




Estimated expenses, due but not paid, . 
Loans on pledge of goods and chattels, . 
Interest accrued but not paid (estimated), 
Deposits in bank, ..... 
United States bonds, .... 


500 00 


$112,889 77 
8,000 00 
6,077 91 
5,000 00 


Furniture and fixtures, .... 




1,000 00 


Cash on hand, . . . . . . 




2,339 92 




|135,307 60 


$135,307 60 



Dr. 



Profit and Loss Fund. 



1871. July 1. Balance of losses, . 

1872. July 1. Amount of losses, . 

Less surplus unclaimed, . 
Balance of loss, 



,714 41 
1,246 32 



$17,960 73 
674 65 

$17,286 08 



168 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Statistics connected with the Company. 



Whole number of loans, 

Number of loans in 1870, . . 

Number of loans in 1871, 

Total amount of loans to date, .... 
Total amount paid in on loans for the same time, 
Amount of interest earned on loans since last report, 
Amount of interest on loans paid since last report, 
Interest earned on loans but not paid in, 
Dividends declared for 1872, six months, 
Estimated number of articles loaned on, 



95,956 
7,216 
6,463 

52,836,099 98 

2,723,210 21 

20,619 19 

19,458 84 

8,000 00 

4 per cent. 

1,699,208 

Fifty-four out of every 100 of the loans made are $10 and under. 

Twenty-nine out of every 100 of the loans the interest is twenty cents 
and under. 

Nineteen out of every 100 of the loans the interest is ten cents and 
under. 

Eleven out of every 100 of the loans the interest is five cents and under. 

Four out of every 100 of the loans the interest is only one cent. 

Average length of credit taken by the pledgers is four months and 
twenty days. 

Average amount of interest received on each loan is two dollars ninety- 
nine cents two mills. 

Average amount loaned to each person, $38.02. 



1873.] PUBLIC DOCUMENT— No. 8. 169 



CONDITION OF THE WORCESTER SAFE DEPOSIT AND TRUST 

COMPANY, 

October 31, 1872. 

Capital Stock, $200,000 00 

Deposits, including certificates of deposit, .... 1,180,999 92 
Number of depositors, including holders of certificates, . 1,336 

United States bonds, $88,150 00 

Town of Holyoke bonds, .... 59,000 00 

City of Bath bonds, . . . . . 13,312 50 

$160,462 50 

Vermont Central and Vermont and Canada 

Railroad equipment bonds, 152,000 00 

Central National Bank stock, New York, . $21,200 00 
Ninth National Bank stock, New York, . . 11,255 00 

32,455 00 

Loans on notes of corporations, . . . $668,253 67 

on notes of individuals, with collateral, 87,285 00 

on mortgages of real estate, . . 159,750 00 

915,288 67 

Cash on deposit, ' $31,880 05 

in office, 71,934 06 

— 103,814 11 

Dividend October 1, 1872, four per cent., .... 8,000 00 



CONDITION OF THE NEW ENGLAND TRUST COMPANY, 

October 30, 1872. 

Capital Stock, $500,000 00 

Money in trust and on deposit, 2,693,412 20 

on special deposit, without interest, .... 3,526 47 

$3,196,938 67 
Number of depositors, including holders of certificates, . 1,112 

Railroad bonds, $496,490 61 

City of Boston bonds, . . . . . 9,000 00 

505,490 61 

Loans on call, with collateral, . . . $308,823 10 
on mortgages of real estate in Massa- 
chusetts, 211,227 50 

on notes with collateral and two sure- 
ties, 2,091,613 87 

2,611,664 47 

Cash in banks in Boston, . . ... $157,969 74 

in office, . 6,606 54 

164,576 28 

Stock of New England Trust Company, wait- 
ing distribution, 5,338 82 

22 



170 



BANK COMMISSIONERS EEPOET. 



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1873.] 



PUBLIC DOCUMENT— No. 8 



171 



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INDEX. 



INDEX TO THE ANNUAL EETURNS. 









[LOCATIONS.] 


' 








Page 


« 

Page 


Abington, 158 


Gardner, . . . . . 128 


Adams, . . 




144-146 


Georgetown, 








106 


Aniesbury, . 


. 


. 104 


Gloucester, 








106 


Amherst, 






136 


Grafton, 








130 


Andover, 






104 


Great Barringtoi 


h 


f 




146 


Arlington, . 






. 114 


Greenfield, 








144 


Askburnham, 






126 


Groveland, 








106 


Athol, 






. 126 


Haverhill, . 






1 


06-107 


Attleborough, . 






154 


Harwich, . 








162 


Barnstable, 






. 162 


Haydenville, 








138 


Barre, 






126 


Hingham, . 








160 


Beverly, 






. 104 


Holliston, . 








118 


Boston, 






98-104 


Holyoke, 








140 


Braintree, . 






148 


Hopkinton, 








118 


Bridgewater, 






. 158 


Hudson, 








118 


Brighton, . 






. 114 


Hyannis, 








164 


Brookfield, 






. 128 


Hyde Park, 








150 


Brookline, . 






. 148 


Ipswich, 








107 


Cambridge, 




] 


114-116 


Lancaster, . 








130 


Canton, 






. 148 


LawrenCe, . 








108 


Ckarlestown, 






. 116 


Lee, 








146 


Chelsea, 






. 104 


Leicester, . 








130 


Chicopee, . 






. 138 


Leominster, 








130 


Clinton, 






. 128 


Lexington, 








118 


Cohasset, . 






. 150 


Lowell, 






1 


18-120 


Concord, 






. 116 


Lynn, 








110 


Danvers, 






. 106 


Maiden, 








122 


Dedham, 






. 150 


Marblehead, 








110 


East Abington, . 






. 160 


Marlborough, 








122 


East Bridge Avater, 






. 160 


Medford, . 








122 


Easthampton, . 






. 136 


Medway, . 








152 


Easton, 






. 158 


Milford, 








130 


Edgartown, 






. 164 


Millbury, . 








132 


Fairhaven, 






. 154 


Monson, 








140 


Fall River, 




. . ] 


154-156 


Nantucket, 








164 


Fitchburg, 






. 128 


Natick, 








122 


Foxborongh, 






. 150 


New Bedford, 








156 


Framingham, 






. 116 


Newbury port, 








110 


Franklin, . 






. 150 


Newton, 








122 











INDEX. 






173 


Page 


Page 


Northampton, . . . .138 


Springfield, 140-142 


North Bridgewater, 






. 160 


Stockbridge, 






. 148 


North Brookfield, 






132 


Stoneham, . 






. 124 


Orange, 






144 


Taunton, 






. 158 


Palmer, 








140 


Templeton, 






. 132 


Peabody, . 








112 


Uxbridge, . 






. 134 


Pittsfield, . 








146 


Wakefield, . 






. 124 


Plymouth, . 






1 


60-162 


Wales, 






. 142 


Provincetown, 








164 


Waltham, . 






. 124 


Quincy, 








152 


Ware, 






. 138 


Randolph, . 








152 


Wareham, . 






. 162 


Reading, 








124 


Watertown, 






. 124 


Rockport, . 








112 


Webster, 






. 134 


Salem, 








112 


Wellfleet, . 






. 164 


Salisbury, . 








112 


Westborough, 






. 134 


Sandwich, . 








164 


Westfield, . 






. 142 


Scituate, 








162 


West Roxbury, 






. 152 


Shelburne, . 








144 


West Stockbridg 


•e, . 




. 148 


Southbridge, 








132 


Weymouth, 






152-154 


South Adams, 








146 


Winchendon, 






. 134 


South Braintree, 






• 148 


Winchester, 






. 126 


South Weymouth, 






152 


Woburn, 






. 126 


South Scituate, . 






162 


Worcester, . 






134-136 


Spencer, 








132 











PUBLIC DOCUMENT ......No. 8. 



ANNUAL REPORT 



OF THE 



COMMISSIONEE OF SAYINGS BANKS, 



INCLUDING THE 



ABSTEACTS OF RETURNS 



FROM THE 



SAYINGS INSTITUTIONS IN MASSACHUSETTS. 



1 8 T ; 3 . 



BOSTON: 

WEIGHT & POTTER, STATE PRINTERS, 
Corner of Milk and Federal Streets. 

1874. 



*3 



€ommonmcaItl) of Jitassattyttstfts. 



REPORT. 



To Hon. Oliver "Warner, Secretary of the Commonwealth. 

I have the honor to submit herewith the Eighth Annual 
Report of the Commissioner of Savings Banks, with an ab- 
stract of the annual returns of the banks, made in compliance 
with the requisition of His Excellency the governor, October 
25th ; and also statements of the Collateral Loan Company, 
and of the several trust companies in this Commonwealth. 

During the year ending with the date of the returns three 
Savings Banks have commenced business, namely : — 

Crocker Institution for Savings, . . Turner's Falls. 

Middleborough Savings Bank, . . . Middleborough. 

Florence Savings Bank .... Northampton. 

The present number of banks is one hundred and seventy- 
five, all of which, and also the trust companies, have been 
examined by me, and an abstract of the examination is sub- 
mitted. 

The amount of deposits held by the Savings Banks on the 
twenty -fifth day of October was $202,195,345.70, showing 
an increase for the year of $17,398,029.78. The table of 
aggregates following the abstract of returns will show the 
amounts of the several classes of loans and investments. 

For the first six months of the year covered by the re- 
turns, ending with May 1st, the gain in deposits was, as 
appears by returns made to the state treasury for purposes 



4 BANK COMMISSIONER'S REPORT. [Jan. 

of taxation, $10,123,191.72. This shows a gain in the last 
half of the year of $7,274,838.06. 

Under ordinary circumstances the gain would be much 
larger in the last half; and this reversal of the usual condi- 
tion is to be attributed mainly to the general distrust of 
banking institutions caused by the financial difficulties of 
September. From the time of the suspension of the national 
banks, and for several weeks thereafter, deposits in the Sav- 
ings Banks were almost nominal, while the withdrawals, 
especially of the larger deposit accounts, either from doubt 
of the solvency of the banks or for the purpose of making 
more profitable investments, were very heavy. 

To meet this unusual draft, the banks called in personal 
loans, pledged or sold some of their most available securities, 
and thus placed themselves in position, so far as practicable, 
to meet such of their liabilities as were likely to be de- 
manded.. Some of the banks required notice to be given of 
the withdrawal of large deposits, as all may, by provision in 
their by-laws ; many paid without notice, as usual ; and all 
responded to the demand for small deposits. During the 
month of December following the returns, the deposits and 
withdrawals have been nearly equal, and this condition may 
be expected to continue until the general resumption of trade 
gives employment to labor. 

No losses have been made this year to affect the standing 
of any Savings Bank in the State, and they have established 
a right to the large measure of public confidence they 
possess. 

Recent experience has again shown the necessity of invest- 
ing a certain portion of deposits in securities at all times 
readily convertible into currency with the least loss. It 
is made more important because of the common, almost 
universal practice to pay deposits without notice, and so gen- 
eral has been the practice that to insist upon notice at once 
creates something of distrust in the minds of many depos- 
itors who are not capable of receiving any evidence of ability 
to pay short of payment itself. 

In ordinary times there seems to be no reason why the 
banks should not meet the necessities and convenience of de- 
positors upon demand. In financial panics, if the banks have 



1874.] PUBLIC DOCUMENT— No. 8. 5 

securities convertible with small loss, they have power to 
allay unreasonable public fear, and to restore confidence with 
their depositors by paying only a small part of their liabili- 
ties, without injustice to remaining depositors. 

This precaution is especially needful when the currency of 
the country is in its present condition, inconvertible and 
therefore depreciated paper, without any active, settled pol- 
icy of government tending to its restoration. 

Under such conditions general credit in the country cannot 
be wholly sound. Unhealthy speculations and unprofitable 
trade will prevail, large amounts of capital rendered unpro- 
ductive or lost, and panics and bankruptcy become legitimate 
results, certain to occur from time to time while the condi- 
tions remain. 

It therefore becomes a matter for careful inquiry whether 
legislation can prudently be had, further restricting the in- 
vestments of Savings Banks, so that the banks may be better 
able to sustain themselves in any emergency likely to happen. 

A law requiring all deposits to be invested in United States 
bonds would be certain to keep the banks in condition to 
meet all demands promptly, under all circumstances, and 
probably with the least possible sacrifice. But such a law 
would be both needless and injurious. It would be needless, 
because the safety as well as prompt payment of the deposits 
may be otherwise secured. No solvent bank will suddenly 
be called upOn to pay more than a comparatively small per- 
centage of its liabilities, if ready to meet these, and if it is* 
doing the legitimate business of a Savings Bank. And it 
would be injurious, because the various industries of the 
State cannot lose the immense benefit derived from the two 
hundred million credits, now resting in our Savings Banks, 
without prostration. 

The amount of United States securities now held by the 
Savings Banks is about nine million dollars, much less than 
half the amount held when the deposits were but a hundred 
million, and it is still rapidly diminishing. 

Heretofore these securities have been held in large amounts 
by the older institutions ; but very few banks incorporated 
within the last eight years have held any. The reasons are 
obvious. There is no inducement to hold the bonds to secure 



6 BANK COMMISSIONER'S REPORT. [Jan. 

exemption from taxation, either national or state, and they 
are not found sufficiently remunerative to meet the wants of 
the banks in a pretty active effort to keep up the present rate 
of interest paid by them, with the expenses of management 
and the state tax. 

As half the deposits are loaned on mortgages of real 
estate, and so placed quite beyond reach for immediate use, 
and as the collection of personal loans cannot surely be relied 
upon in a panic, the banks are liable to be forced into a posi- 
tion where they will be obliged to make large sacrifices by a 
forced sale of bank stocks or, perhaps, city or town bonds. 
A large majority of the banks are now so situated as to their 
investments that they must realize upon the latter classes in 
case they respond to an unusual and sudden call. 

Requiring notice of withdrawal will not by any means 
surely relieve them from the difficulty. It may defer it, in 
many cases, however, as the bank by-laws now stand, only 
for a week, with the strong probability of creating distrust 
where none existed before. 

If this situation calls for any legislation it seems to be that 
which will act as a check upon the making of loans and in- 
vestments as they have been made for several years last past, 
and which will oblige the banks within a reasonable time to 
invest a certain percentage of their deposits, varying with 
the amount held, in a class of securities possessing at all 
times the most desirable elements for the investment of sav- 
ings, namely: securities paying a fair interest, entirely safe, 
and therefore readily convertible into currency with the least 
sacrifice. No other securities possess all these elements in 
the same degree as do the bonds of the United States. I 
therefore suggest the propriety of legislation which will com- 
pel our Savings Banks to increase the amount of their invest- 
ment in these securities ; and it seems to me so important in 
many aspects that I do not hesitate to urge attention to the 
subject now, believing no time will be found better adapted 
to commence than the present year. 

As this would be an additional' restriction upon the em- 
ployment of Savings Bank capital, already limited as is the 
use of no other capital in the State, reducing income, and 
being quite as much for the benefit of the public as the de- 



1874.] PUBLIC DOCUMENT— No. 8. 7 

positors ; and as the State, in collecting its tax upon the depos- 
its, has an assessment upon a full, not an estimated value, as 
in the case of all other capital ; and also, as much of the de- 
posit would by law be exempt from taxation if not held by 
Savings Banks, it appears to me both equitable and wise that 
the banks should be relieved from tax upon so much of their 
deposits as is invested in United States bonds, or, at least, 
upon so much as they may by law be required to so invest. 

Compared with last year, the returns this year show a 
much smaller loan on mortgages of real estate. The demand 
for credit for speculative purposes in this direction has for 
the present ceased. The shrinkage of values necessarily fol- 
lowing has not affected the safety of the bank loans to any 
important extent. 

Personal loans have been increased much less than in pre- 
vious years. No change in the character of the loan has 
been made. It is liable to be aifected by any of the misfor- 
tunes necessarily connected with dealings in personal credits ; 
and if losses have heretofore been small, it is because great 
caution has been used in making loans. 

The amount invested in bank stock — principally the stock 
of banks in Boston — was unusually large, being nearly five 
million dollars. The institutions now hold an investment in 
these stocks equal to a fourth of the national banking capital 
in the State. 

The annual return of the banks, as now required, does not 
call for a full statement of their accounts. As that is needed 
for an exact understanding of their condition, I suggest that 
the law be modified in that respect. 

It is a matter of great importance to the State that the 
standing of our Savings Banks should be maintained. This 
will be secured by a policy having for its main object the 
safety of the deposits. All other considerations are inferior 
compared with it. The nearer absolute safety is reached in 
the investments, regard being had to a proper division of 
them, the better will the institutions meet all their obliga- 
tions promptly, and so attract and retain within our own 
State the earnings and savings of our own industry. 

Of the loan and trust companies incorporated, four omy 
are in operation. Their deposits thus far have been in the 



8 BANK COMMISSIONER'S REPORT. [Jan.74. 

greater part ordinary mercantile credits, three of the institu- 
tions not having opened trust departments. 

They have been prudently managed in conformity with 
law, and proved quite as able to sustain themselves in the 
recent panic as other banking institutions. 

I think it proper to suggest in relation to these institutions, 
that their charters impose restrictions and grant privileges 
differing materially. As they have been created for substan- 
tially similar purposes, there are strong reasons for placing 
all under the regulations of a general law. 

F. M. STONE, 

Co7nmissioner of Savings Banks, 

December 31, 1873, 



ABSTRACT 



OP 



ANNUAL EXAMINATIONS 



OF THE 



SAVINGS BANKS, BANKING AND 
TBUST COMPANIES. 



18 7 3. 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ABINGTON SAVINGS BANK— ABINGTON. 

[October 18.] 
Z. N. Whitmarsh, President. Treasurer, J. N. Farrar 



Deposits, 


$789,891 80 




Interest, . 


• • ■ • 


25,357 73 




Public Funds, . 


. t • . 




$95,850 00 


Bank Stock, 


• . . 




70,050 00 


Railroad Bonds, 


• • . 




77,143 75 


Loans on Public Funds, 


• . . 




17,550 00 


on Bank Stock, 


i • • 




4,520 00 


on Real Estate, 


• • . 




384,255 00 


on Personal Security, 




89,677 75 


to Counties, Cities and Towns, 




70,000 00 


to Banks, on interest, . 




4,027 77 


Expense Account, . . 




400 99 


Cash on hand, . . . 




1,774 27 






$815,249 53 


$815,249 53 



Number of Depositors, 2,655 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one hank, . . . $15,000 00 

Annual expenses, 1,450 00 



AMESBTJRY SAVINGS BANK— AMESBURY. 

[October 22.] 
John S. Boyer, President. Treasurer, J. L. Pearson. 



Deposits, . . . . . 

Interest, 

Loans on Real Estate, 

on Personal Security, . 

to Banks, on interest, . 
Cash on hand, 


$45,400 52 
1,732 77 


$18,600 00 

26,652 71 

1,874 23 

6 35 




$47,133 29 


$47,133 29 



Number of Depositors, ......... 307 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Annual expenses $120 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



11 



AMHERST SAYINGS BANK— AMHERST. 

[June 27.] 
E. Foster Cook, President. Treasurer, Samuel C. Carter. 



Deposits, . . . 


$315,841 52 




Profits, 


2,793 54 




Public Funds, 




$17,500 00 


Bank Stock, 




6,000 00 


Loans on Public Funds, .... 




2,520 00 


on Real Estate, .... 




173,960 00 


on Personal Security, . 




49,897 78 


to Counties, Cities and Towns, 




64,000 00 


Cash on hand, . . . . . 




4,757 28 




$318,635 06 


$318,635 06 



Number of Depositors, 1,676 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Annual expenses, . 650 00 



ANDOVER SAVINGS BANK— ANDOVER. 

[October 11.] 

Nathaniel Swift, President. Treasurer, John F. Kimball. 



Deposits, 


$1,046,366 80 




Profits, 


38,502 48 




Public Funds, ...... 




$90,000 00 


Bank Stock, 




110,600 00 


Railroad Bonds, 




150,000 00 


Loans on Public Funds, . . . 




9,500 00 


on Real Estate, .... 




246,513 78 


on Personal Security, . 




61,735 00 


to Counties, Cities and Towns, 




411,000 00 


to Banks, on interest, . 




3,834 52 


Cash on hand, . 




1,685 98 




$1,084,869 28 


$1,084,869 28 



Number of Depositors, 2,829 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 1,275 00 



12 



BANK COMMISSIONERS' REPORT. 



[Jan. 



ARLINGTON FIVE CENTS SAVINGS BANK— ARLINGTON. 

[December 4.] 
Albert "Winn, President. Treasurer, "William Procter. 



Deposits, . 
Profits, 
Interest, . 
Bills Payable, 
Public Funds, 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 

on Railroad Stock, 

to Counties, Cities and Towns, 
Expense Account, 
Cash on hand, . 



|481,346 02 

195 33 

9,570 39 

4,000 00 



$495,111 74 



$50,000 00 

13,235 00 

5,050 00 

363,725 00 

41,575 00 

1,800 00 

11,000 00 

157 86 

8,568 88 



$495,111 74 



Number of Depositors, 1,627 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in . . . . . . Three years. 

Largest amount invested in the stock of any one hank, . . . $5,955 75 

Annual expenses, 650 00 



ASHBTJRNHAM SAVINGS BANK— ASHBTJRNHAM. 

[June 6.] 
Geo. C. Winchester, President. Treasurer, Geo. W. Eddy. 



Deposits, 


$14,722 


22 




Profits, . . . . 


68 


38 




Interest, 


432 


35 




Loans on Real Estate, .... 






$6,500 00 


on Personal Security, . 






2,375 00 


to Counties, Cities and Towns, 






5,100 00 


Expense and Tax Account, 






160 37 


Cash on hand, ...... 






1,087 58 




$15,222 


95 


$15,222 95 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, 
No extra dividends.. 



90 
6 per cent. 



1874.] 



PUBLIC DOCUMENT— No. 8. 



13 



ATHOL SAYINGS BANK— ATHOL. 

[June 13.] 
Chas. C. Bassett, President. 



Treasurer, A. Harding. 



Deposits, . . . . 


$581,871 64 




Interest, . 


• . • 


2,394 13 




Public Funds, . 


. . 




$ 10,000 00 


Bank Stock, 


• < . 




18,410 00 


Railroad Bonds, 


■ • • 




5,231 87 


Loans on Public Funds, 


• • • 


v 


7,350 00 


on Bank Stock, 


, , . 




32,800 00 


on Real Estate, 


» . . . 




297,882 18 


on Personal Security, . 




137,768 80 


on Railroad Stock, 




7,666 66 


to Counties, Cities and Towns, 




59,880 00 


Tax Account, . . 




2,073 63 


Expense Account, 




700 08 


Cash on hand, . . ,.- 




4,502 55 






|584,265 7.7 


$584,265 77 



Number of Depositors, . 2,252 

Bate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one hank, . . . $5,500 00 

Annual expenses, 1,692 66 



ATTLEBOBOUGH SAVINGS BANK— ATTLEBOBOUGH. 

[August 26.] 
A. Codding, Jr., President. Treasurer, E. B. Price. 



Deposits, 

Interest, . . .' 
Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Cash on hand, 



$264,569 59 
8,734 46 



$273,304 05 



$158,835 00 
83,250 00 
15,500 00 
15,719 05 



$273,304 05 



Number of Depositors, . . 923 

Bate of ordinary dividends for the last year, 8 per cent. 

No extra dividends. 

Annual expenses, $200 00 



14 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BARNSTABLE SAVINGS BANK— BARNSTABLE. 

[August 14.] 



John Monroe, President. 



Treasurer, Daniel Scudder. 



Deposits, ....... 


$1,455,123 94 




Dividend Account, . 






22,280 75 




Suspense Account, . ' . 






61 49 




Bills Payable, . 






2,845 77 




Bank Stock, 








$285,650 00 


Real Estate, ... 








4,000 00 


Loans on Real Estate, 








798,659 16 


on Personal Security, 








358,506 10 


to Counties, Cities and Towns, 




19,045 00 


Cash on hand, 




14,451 69 








$1,48*0,311 95 


$1,480,311 95 



Number of Depositors, . . 

Rate of ordinary dividends for the last year, . 
No extra dividends. 

Largest amount invested in the stock of any one hank, 
Annual expenses, 



3,835 
7 per cent. 

$22,400 00 
3,000 00 



BARRE SAVINGS BANK— BARRE. 

[June 12.] 
Chas. Brimblecom, President. Treasurer, Edwin "Woods. 



Deposits, ........ 


$233,720 28 




Interest, 


5,027 47 




Public Funds, 




$8,530 00 


Bank Stock, . . . 




89,868 74 


Railroad Bonds, . . ... 




1,000 00 


Loans on Real Estate, .... 




80,928 67 


on Personal Security, . 




41,295 69 


to Counties, Cities and Towns, 




14,000 00 


Expense Account, 




908 15 


Cash on hand, . . 




2,216 50 




$238,747 75 


$238,747 75 



Number of Depositors, . 900 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $7,865 00 

Annual expenses, 400 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



15 



BENJAMIN FRANKLIN SAVINGS BANK— FRANKLIN. 

[October 25.] 
Davis Thayer, Jr., President. Treasurer, C. "W. Stewart. 



Deposits, . 


$117,524 32 




Interest, . 






3,446 42 




Public Funds, % . 








$1,815 00 


Bank Stock, 








34,660 62 


Railroad Bonds, 








2,043 33 


Railroad Stock, 








1,300 00 


Loans on Real Estate, 








66,175 00 


on Personal Security, 








10,505 00 


to Banks, on interest, 








4,227 02 


Expense Account, . 








43 65 


Cash on hand, . 








201 12 








$120,970 74 


$120,970 74 



Number of Depositors, ......... 548 

Bate of ordinary dividends for the last year, . . . . . 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,887 50 

Annual expenses, 500 00 



BERKSHIRE COUNTY SAYINGS BANK— PITTSFIELD. 

[July 15.] 
Julitjs Rockwell, President. Treasurer, R. "W. Adam. 



Deposits, 


$1,788,520 46 




Profits, 


72,415 21 




Public Funds, . . . . . 




$303,000 00 


Bank Stock, 




99,120 00 


Railroad Bonds, 




10,000 00 


Loans on Public Funds, .... 




10,900 00 


on Bank Stock, 




53,500 00 


on Real Estate, .... 




776,447 06 


on Personal Security, . 




373,620 00 


on Railroad Slock, 




800 00 


to Counties, Cities and Towns, 




185,161 00 


Expense Account, 




2,831 00 


Cash on hand, ...... 




45,556 67 


t 


$1,860,935 67 


$1,860,935 67 



Number of Depositors, 5,313 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $16,000 00 

Annual expenses, 5,000 00 



16 



BANK COMMISSIONER'S REPORT. [Jan. 



BEVERLY SAYINGS BANK— BEVERLY. 
[October 7.] 



"William Endicott, President. 



Treasurer, R. G. Bennett. 



Deposits, . 

Profits, .... 

Interest, .... 

Bank Stock, 

Loans on Public Funds, . 
on Bank Stock, 
on Keal Estate, 
on Personal Security, 

Expense Account, . 

Tax Account, . 

Cash on hand, . . . 



$469,809 96 

1,373 14 

10,971 72 



$482,154 82 



$100,872 85 

8,023 00 

8,560 

340,111 

12,080 

'461 

1,593 

10,452 



00 
00 
00 
55 

75 
67 



$482,154 82 



Number of Depositors, 2,000 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $11,475 00 

Annual expenses, . . . . . . . . . . . 900 00 



Paul Adams, President. 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON. 
[March 17.] 



Treasurer, A. H. Evans. 



Deposits, 


$10,693,574 81 




Profit and Loss Account, .... 


221,622 23 




Interest, 


304,900 61 




Suspense Account, 


10,090 15 




Public Funds, . . . . 




$2,214,000 00 


Bank Stock, . . . . 




422,987 50 


Railroad Bonds, 




240,000 00 


Real Estate, . . . . 




103,640 81 


Loans on Public Funds, . 




38,000 00 


on Bank Stock, .... 




60,600 00 


on Real Estate, . 




6,252,500 00 


on Personal Security, . 




675,000 00 


to Counties, Cities and Towns, 




839,800 00 


to Banks, on interest, . 




50,000 00 


Expense Account, 




37,824 17 


Cash on hand, ...... 




295,835 32 




$11,230,187 80 


$11,230,187 80 



Number of Depositors, 62,764 

Rate of ordinary dividends for the last year, . . . . . 5 per cent. 
Last/dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $ 64,900 00 

Annual expenses, 41,022 54 



1874.] 



PUBLIC DOCUMENT— No. 8. 



17 



BOSTON PENNY SAVINGS BANK— BOSTON. 

[March 8.] 
Daniel Harwood, President. . Treasurer, Henry R. Reynolds. 



Deposits, 


$ 1,066,084 96 




Profits, 








10,705 14 




Bank Stock, 










$39,415 37 


Railroad Bonds, 










10,000 00 


Real Estate, . . . 










122,495 94 


Loans on Public Funds, 










1,350 00 


on Bank Stock, 










50,000 00 


on Real Estate, 










628,260 00 


on Personal Estate, 








180,100 00 


to Banks, on interest, 








42,044 01 


Cash on hand, . 








3,124 78 










11,076,790 10 


$1,076,790 10 



Number of Depositors, '.'"'. . . 8,490 

Rate of ordinary dividends for the last year, . ... . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . ■ . . $11,000 00 

Annual expenses, 6,000 00 



BRAINTREE SAVINGS BANK— BRAINTREE. 

[October 18.] 

E. A. Hollingsworth, President. Treasurer, C. H. Hobart. 



Deposits, 


$37,212 62 




Interest, 


648 99 




Bank Stock, . . . 




$3,040 00 


Railroad Bonds, 




1,011 25 


Loans on Real Estate, .... 




28,075 00 


on Personal Security, . 




550 00 


to Counties, Cities and Towns, 




1,500 00 


Expense Account, 




469 18 


Cash on hand, ...... 




3,216 18 




$37,861 61 


$37,861 61 



Number of Depositors, 251 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Extra dividends are made once in . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $1,800 00 

Annual expenses, 50 00 



18 



BANK COMMISSIONER'S REPORT. [Jan. 



BRIGHTON FIVE CENTS SAVINGS BANK— BRIGHTON. 

[April 25.] 



James Dana, President. 



Treasurer, J. L. Ordway. 



Deposits, r 


$173,689 16 




Reserve Fund, . 






5,420 35 




Interest, .... 






2,448 07 




Public Funds, . 








$16,235 87 


Bank Stock, 








19,596 25 


Loans on Public Funds, . 








3,000 00 


on Bank Stock, 








8,100 00 


on Real Estate, 








99,416 95 


on Personal Security. 








25,623 34 


Suspense Account, . 








517 00 


Expense Account, . 








178 50 


Cash on hand, .... 








8,889 67 








$181,557 58 


$181,557 58 



Number of Depositors, ■ ■ * , . 742 

Rate of ordinary dividends for the last year, . . . . , 5 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . Three years. 

Largest amount invested in the stock of any one bank, . . . $6,867 50 

Annual expenses, . . 700 00 



BRISTOL COUNTY SAVINGS BANK— TAUNTON. 

[September 4.] 

Joseph Wilbor, President. Treasurer, Charles H. Atwood. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, . 

on Railroad Stock, 

to Counties, Cities and Towns, 
Expense Account, .... 
Cash on hand, 



!,925,802 24 
40,440 48 
95,641 05 



5,061,883 77 



$100,000 00 

46,000 00 

3,000 00 

2,850 00 

5,850 00 

2,044,872 68 

772,586 74 

30,000 00 

35,100 00 

1,809 56 

19,814 79 



$3,061,883 77 



Number of Depositors, 8,635 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $13,600 00 

Annual expenses, 6,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



19 



BRIDGEWATER SAVINGS BANK— BRIDGEWATER. 

[September 25.] 
Jos. A. Hyde, President. Treasurer, Samuel P. Gates. 



Deposits, 

Interest, 

Bank Stock, 

Loans on Bank Stock, 

on Real Estate, 

on Personal Security, . 
Expense Account, . 
Cash on hand, . . . . 




$87,742 68 
902 31 


$17,048 99 

1,250 00 

48,050 00 

17,200 00 

336 75 

4,759 25 






$88,644 99 


$88,644 99 



Number of Depositors, . . . • . .•'-•". 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank,' 



436 
7 per cent. 



5,709 37 



BROADWAY SAVINGS BANK— LAWRENCE. 

[October 10.] 
John Fallon, President. Treasurer, John L. Brewster. 



Deposits, . . . . 

Interest, .... 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Furniture and Fixtures, . 

Expense Account, . 

Cash on hand, . 



,644 17 

12,096 02 



$413,740 19 



$118,532 39 

5,844 00 

257,430 00 

13,910 29 

655 52 

1,012 99 

16,355 00 



$413,740 19 



Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



6 per cent. 
$21,121 64 
1,700 00 



20 



BANK COMMISSIONERS EEPORT. [Jan. 



BBOOKFIELD SAVINGS BANK— BBOOKFIELD. 

[June 24.] 
Emmons Twichell, President. 



Treasurer. George E. Forbes. 



Deposits, .... 
Profits, .... 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 




f6,050 00 

2,200 00 

131 19 

1,777 09 



$ 10,158 28 



Number of Depositors, . . . , 
Bate of ordinary dividends for the last year, 



130 
6 per cent. 



BROOKLINE SAVINGS BANK— BROOKLINE. 

[December 22.] 
George Atkinson, President. Treasurer, F. W. Prescott. 



Deposits, . 

Profits, 

Interest, . 

Guarantee Fund, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



,252 70 

990 64 

1,632 32 

556 96 



,432 62 



f 28,426 00 

46,925 00 

10,000 00 

506 19 

1,575 43 



,432 62 



Number of Depositors, 

Bate of ordinary dividends for the last year, 
Extra dividends are made once in . . 
Largest amount invested in the stock of any one bank, 
Annual expenses, 



661 
6 per cent. 
Two years. 
$8,012 50 
1,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



21 



CAMBRIDGE SAVINGS BANK—CAMBRIDGE. 

[October 14.] 
John B. Dana, President. Treasurer, James M. Thurston. 



Deposits, 


$1,477,945 20 




Profits, 








466 30 




Interest, . 








4,357 51 




Public Funds, . 










$97,524 17 


Bank Stock, 










108,008 50 


Railroad Bonds, 










4,000 00 


Loans on Public Funds, 










2,000 00 


on Bank Stock, 










2,000 00 


on Real Estate, 










1,124,923 00 


on Personal Estate, 








141,100 00 


Cash on hand, . 








3,213 34 










$1,482,769 01 


$1,482,769 01 



Number of Depositors, 4,461 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $15,312 50 

Annual expenses, 3,023 24 



CAMBRIDGEPORT SAVINGS BANK— CAMBRIDGEPORT. 

[October 23.] 
Benjamin Tilton, President. Treasurer, Edward Hyde. 



Deposits, 


$1,454,375 54 




Interest, 


42,127 43 




Bank Stock, 




$128,166 70 


Loans on Public Funds, . . 




800 00 


on Real Estate, .... 




1,116,710 76 


on Personal Security, . 




131,000 00 


to Counties, Cities and Towns, 




100,000 00 


to Banks, on interest, 




16,700 00 


Cash on hand, 




3,125 51 




$1,496,502 97 


$1,496,502 97 



Number of Depositors, 4,748 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $30,691 87 

Annual expenses, 4,000 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[May 1.] 
Charles H. French, President. Treasurer, F. W. Deane. 



Deposits, . . . 


$268,828 76 




Profits, 


. 






5,046 93 




Interest, . 


, . 






1,781 51 




Suspense Account, 


, . 






7 00 




Public Funds, . 


■ • 








$20,000 00 


Bank Stock, 


i . 








8,900 00 


Railroad Bonds, 


, . 








16,000 00 


Real Estate, 


, . 








220 00 


Loans on Public Funds, . 








600 00 


on Bank Stock, 








9,000 00 


on Real Estate-, 








153,020 00 


on Personal Security, 








67,500 00 


Expense Account, . 








50 


Cash on hand, . 








423 70 










$275,664 20 


$275,664 20 



Number of Depositors, 1,099 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,700 00 

Annual expenses, 750 00 



CAPE ANN SAVINGS BANK— GLOUCESTER. 

[November 14.] 
Gorham P. Low, President. Treasurer, Geo. J. Marsh. 



Deposits, 


$924,524 26 




Profits, 


. . 


11,165 25 




Interest, . 


. . . 


1,287 08 




Public Funds, . 


. 




$127,000 00 


Bank Stock, 


... 




165,241 78 


Railroad Bonds, 


. . . 


« 


41,654 43 


Real Estate, 


■ • • . 




8,000 00 


Loans on Public Funds, 


... 




500 00 


on Bank Stock, 


... 




2,000 00 


on Real Estate, 


... 




427,730 66 


on Personal Security, . 




30,575 00 


to Counties, Cities and Towns, 




131,052 92 


Expense Account, 




7 75 


Cash on hand, .... 




3,214 05 






$936,976 59 


$936,976 59 



Number of Depositors, 3,523 

Rate of ordinary dividends for the last year, . . . . 6 per cent. 
Last dividend of reserved profits, in 1871. 

Extra dividends made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $21,461 50 

Annual expenses, 3,612 68 



1874.] 



PUBLIC DOCUMENT— No. 8. 



23 



CAPE COD FIVE CENTS SAVINGS BANK— HARWICH. 

[August 14.] 
Josiah Hardy, President. Treasurer, Obed Brooks. 



Deposits, 


$449,484 68 




Profits, . 


7,748 50 




Public Funds, 




$10,700 00 


Bank Stock, 




26,760 83 


Railroad Bonds, 




10,000 00 


Loans on Real Estate, .... 




85,104 07 


on Personal Security, . 




289,226 46 


to Counties, Cities and Towns, 




19,100 00 


Suspense Account, . . . . . 




518 67 


Cash on hand, ...... 




15,823 15 




$457,233 18 


$457,233 18 



Number of Depositors, . . . . . . . . 2,285 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $15,671 75 

Annual expenses, 1,385 00 



CENTRAL SAVINGS BANK— LOWELL. 

[March 28.] 

O. H. Moulton, President. Treasurer, J. N. Peirce, Jr. 



Deposits, . 

Interest, . 

Bank Stock, 

Loans on Public Funds, 

on Real Estate, 
Expense Account, . 
Cash on hand, . 






$586,852 62 
6,807 61 


$93,078 62 
56,627 60 

427,262 50 

2,661 87 

14,029 64 








$593,660 23 


$593,660 23 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



5 per cent. 

$16,962 50 
1,200 00 



24 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CHARLESTOWN FIVE CENTS SAVINGS BANK— CHARLESTOWN. 

[December 11.] 
P. J. Stone, President. Treasurer, Amos Stone. 



Deposits, ..-'.. 


$2,475,011 


02 




Profits, 








95,922 


13 




Bank Stock, 












$472,480 50 


Railroad Bonds, 












179,000 00 


Real Estate, 












7,071 74 


Loans on Public Funds, 












4,000 00 


on Bank Stock, 












15,400 00 


on Real Estate, 












1,764,850 00 


on Personal Security, 










89,000 00 


to Counties, Cities and Towns, 






15.000 00 


Cash on hand, . . 






24,130 91 










$2,570,933 


15 


$2,570,933 15 



Number of Depositors, . . 8,346 

Rate of ordinary dividends for the last year, . . . 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in ....... Three years. 

Largest amount invested in the stock of any one bank, . . . $45,900 00 

Annual expenses, 4,112 50 



CHELSEA SAVINGS BANK— CHELSEA. 

[September 20.] 
John H. Osgood, President. Treasurer, J. F. Fellows. 



Deposits, 


$826,458 67 


i 


Interest, .... 






22,581 01 




Public Funds, . 








$41,467 58 


Bank Stock, 








70,146 31 


Real Estate, 








12,500 00 


Loans on Real Estate, 








577,228 58 


on Personal Security, 








11,000 00 


to Counties, Cities and Towns, 




118,152 25 


Cash on hand, 




18,544 96 








$849,039 68 


$849,039 68 



Number of Depositors, 4,686 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $9,400 00 

Annual expenses, 3,500 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



25 



CHICOPEE SAVINGS BANK— CHICOPEE. 

[June 24.] 
Jerome Wells, President. Treasurer, H. H. Harris. 



Deposits, 


$407,158 36 




Profits, .... 








1,221 15 




Bills Payable, . 








2,335 49 




Public Funds, . 










$15,000 00 


Bank Stock, 










11,475 00 


Loans on Public Funds, 










7,750 00 


on Bank Stock, 










2,600 00 


on Real Estate, 










320,257 00 


on Personal Security, 








45,633 00 


to Counties, Cities and Towns, 




8,000 00 










$410,715- 00 


$410,715 00 



Number of Depositors, 1,230 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in . . -. . . . Five years. 

Largest amount invested in the stock of any one bank, . ...... $5,000 00 

Annual expenses, 1,800 00 



CITIZENS' SAVINGS BANK— FALL RIVER. 

[September 18.] 
Joseph Osborn, President. Treasurer, E. E. Hathaway. 



Deposits, .... 

Profits, . . ' . . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



,701,944 33 
91,853 96 



$1,793,798 29 



$2,998 75 

285,891 50 

599,090 00 

900,895 00 

775 83 

4,147 21 



$1,793,798 29 



Number of Depositors, . 2,758 

Rate of ordinary dividends for the last year, ..... 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $80,000 00 

Annual expenses, 3,961 88 



26 



BANK COMMISSIONER'S REPORT. [Jan. 



CITY FIVE CENTS SAVINGS BANK— HAVERHILL. 

[November 18.] 
W. It. Whittier, President. Treasurer, E. G. Wood. 



Deposits, . . . ... . 


|664,970 


19 




Interest, . 


. 


17,064 33 




Public Funds, . 


. 






$35,370 30 


Bank Stock, 


... 






31,238 33 


Eailroad Bonds, 


. . . 






45,337 91 


Loans on Public Funds, 


■ • • • 






500 00 


on Bank Stock, 


■ > • . 






900 00 


on Real Estate, 


■ . . . 






426,932 70 


on Personal Security, . 






126,153 00 


to Counties, Cities and Towns, 






9,000 00 


Expense Account, ...... 






2,032 85 


Cash on hand, 






4,569 43 






$682,034 


52 


$682,034 52 



Number of Depositors, 3,663 

Rate of ordinary dividends for the last year, ..... 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $18,463 71 

Annual expenses, 1,800 00 



CITY INSTITUTION FOR SAVINGS— LOWELL. 
[April 1.] 



Nathan Allen, President. 



Treasurer, John A. Buttmck. 



Deposits, 


$3,184,159 


79 




Profits, 


160,862 74 




Public Funds, . . . 






$90,000 00 


Bank Stock, 






578,228 00 


Railroad Bonds, 






. 236,000 00 


Loans on Bank Stock, .... 






16,300 00 


on Real Estate, .... 






1,531,324 00 


on Personal Security, . . . 






269,100 00 


to Counties, Cities and Towns, 






591,900 00 


to Banks, on interest, . 






30,698 71 


Cash on hand, 






1,471 82 


» 


$3,345,022 53 


$3,345,022 53 



Number of Depositors, ......... 8,660 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $50,500 00 

Annual expenses, 7,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



27 



CLINTON SAVINGS BANK— CLINTON. 

[April 23.] 
Franklin Forbes, President. Treasurer, C. L. S. Hammond 



Deposits, . . . . 


$565,702 09 




Profits, .... 








5,000 00 




Interest, . 








6,611 33 




Public Funds, . 










$128,000 00 


Bank Stock, 










32,700 00 


Loans on Public Funds, 










6,175 00 


on Bank Stock, 










40,000 00 


on Real Estate, 










187,869 49 


on Personal Security, 








170,975 35 


to Counties, Cities and Towns, 




8,000 00 


Cash on hand, . . 




3,593 58 










$577,313 42 


$577,313 42 



Number of Depositors, . 1,995 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,100 00 

Annual expenses, 1,500 00 



COHASSET SAVINGS BANK— COHASSET. 
[September 23.] 



A. H. Tower, President. 



Treasurer, L. N. Bates. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Railroad Bonds, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Cash on hand, 



$359,182 48 
708 16 



$359,890 64 



$1,000 00 
57,000 00 
30,000 00 
253,350 00 
17,000 00 
1,540 64 



$359,890 64 



Number of Depositors, 958 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Annual expenses, 1,200 00 



28 



BANK COMMISSIONER'S REPORT. [Jan. 



CROCKER INSTITUTION FOR SAVINGS— TURNER'S FALLS. 

[July 9.] 
Al yah Crocker, President. Treasurer y R. H. Oakman, Jr. 



Deposits, 

Interest, 

Bank Stock, 

Loans on Real Estate, 

to Counties, Cities and Towns, 
Expense Account, . ... 
Cash on hand, 




$1,000 00 

4,050 00 

7,000 00 

214 18 

1,132 63 



$13,396 81 



Number of Depositors, . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 



97 
6 per cent. 

$1,000 00 



DANVERS SAVINGS BANK— DANVERS. 

[November 6.] 
Rufus Putnam, President. Treasurer, William L. "Weston. 



Deposits, . . . 


$836,974 82 




Profits, 








15,205 03 




Bills Payable, . 








10,000 00 




Public Funds, . 










$19,500 00 


Bank Stock, 










136,912 50 


Loans on Public Funds, 










16,400 00 


on Bank Stock, 










24,685 00 


on Real Estate, 










451,858 28 


on Personal Security, 








188,735 00 


to Counties, Cities and Towns, . 




14,330 00 


Cash on hand, 




9,759 07 










. $862,179 85 


$862,179 85 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



2,640 
7 per cent. 

$20,000 00 
1,800 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



29 



DEDHAM INSTITUTION FOR SAVINGS— DEDHAM. 

[May 14.] 

Thomas Bakrows, President. Treasurer, Calvin Guild, 



Deposits, 


$1,015,010 05 




Profits, 


■ • • 


39,005 22 




Public Funds, . 


, 


. • 




$71,000 00 


Bank Stock, 


, , 


, 




43,809 50 


Railroad Bonds, 


. 


, , 




33,261 25 


Loans on Public Funds, 


, , 


, , 




1,400 00 


on Bank Stock, 


, . 


, 




4,200 00 


on Real Estate, 


, . 


, , 




767,252 00 


on Personal Security, . 




74,028 00 


to Counties, Cities and Towns, 




40,967 50 


to Banks, on interest, . 




15,031 85 


Cash on hand, 




3,065 17 








$1,053,015 27 


$1,053,015 27 



Number of Depositors, 3,448 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last. dividend of reserved profits, in 1873. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $12,987 50 

Annual expenses, 2,719 20 



DORCHESTER SAVINGS BANK— DORCHESTER. 
[July 30.] 
Wm. Pope, President. 



Treasurer, J. B. Tileston. 



Deposits, . 


$484,385 20 




Suspense Account, 


50 16 




Public Funds, 




$19,436 00 


Bank Stock, 




43,961 50 


Railroad Bonds, 




16,197 08 


Real Estate, 




6,000 00 


Loans on Public Funds, .... 




1,000 00 


on Real Estate, .... 




317,764 25 


on Personal Security, . 




62,027 00 


to Counties, Cities and Towns, 




2,000 00 


to Banks, on interest, . 




12,586 20 


Accrued Interest Account, 




2,187 43 


Cash on hand, 




1,275 90 




$484,435 36 


$484,435 36 



Number of Depositors, 1,750 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

No extra dividends hereafter. 

Largest amount invested in the stock of any one bank, . . . $-5,492 25 

Annual expenses, 1,739 08 



30 



BANK COMMISSIONER'S REPORT. [Jan. 



DUKES COUNTY SAVINGS BANK— EDGARTOWN. 

[September 12.] 
Jos. T. Pease, President. Treasurer, 0. E. Linton. 



Deposits, 

Interest, 

Loans on Personal Security, . 

to Counties, Cities and Towns, 
Profit and Loss Account, . 
Expense Account, . . 
Furniture Account, .... 
Cash on hand, . 




$500 00 

600 00 

17 83 

33 10 

24 00 

525 59 



$ 1,700 52 



Number of Depositors, 26 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Annual expenses, $25 00 



EAST ABINGTON SAVINGS BANK— EAST ABINGTON. 

[October 16.] 

R. J. Lane, President. Treasurer, "W". B. Studlet. 



Deposits, 


$ 278,315 90 




Suspense Account, . 






1,100 00 




Bills Payable, . 






2,200 00 




Public Funds, . 








$2,049 00 


Bank Stock, 








63,328 35 


Loans on Real Estate, 








185,037 12 


on Personal Security, 








30,065 00 


Accrued Interest Account, 








597 51 


Expense Account, . 








2 00 


Cash on hand, . 








536 92 








$281,615 90 


$281,615 90 



Number of Depositors, 1,078 

Rate of ordinary dividends for the last year, ..... 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in . . ... . . Five years. 

Largest amount invested in the stock of any one bank, . . . $ll,6t4 25 

Annual expenses, 400 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



31 



EAST BOSTON SAVINGS BANK— EAST BOSTON. 

[March 4.] 

P. M. Crane, President. Treasurer, Albert Bowker. 



Deposits, . . . . 


$1,574,731 13 




Profits, .... 






18,224 48 




Interest, . . . . 






2,609 46 




Bills Payable, . 






7,000 00 




Dividend Account, . 






31,426 10 




Bank Stock, .... 








$377,124 17 


Real Estate, 








18,115 17 


Loans on Public Funds, . 








6,900 00 


on Real Estate, 








986,699 00 


on Personal Security, 








235,295 00 


Expense Account, . 








314 80 


Cash on hand, . 








9,543 03 


' 






$1,633,991 17 


$1,633,991 17 



Number of Depositors, 

Bate of ordinary dividends for the last year, . 
No extra dividends. 

Largest amount invested in the stock of any one bank, 
Annual expenses, 



5,496 
7 per cent. 

$29,880 96 
5,000 00 



EAST BRIDGEWATER SAYINGS BANK—EAST BRIDGEWATER. 

[September 25.] 
Henry Hobart, President. Treasurer, Isaac N. Nutter. 



Deposits, 


$47,658 


71 




Interest, 


645 


15 




Bills Payable, . 


4,733 


21 




Bank Stock, 






$5,861 75 


Railroad Bonds, 






7,052 50 


Real Estate, 






26,857 50 


Loans on Personal Security, . 






7,141 32 


to Counties, Cities and Towns, 






4,763 40 








370 00 


Expense Account, . . . 






391 26 


Cash on hand, 






599 84 


« 


$53,037 


07 


$53,037 07 



Number of Depositors, 

Rate of ordinary dividends for the last year, 
Extra dividends are made once in ... 
Largest amount invested in the stock of any one bank, 
Annual expenses, 



302 
6 per cent. 

Five years. 
#2,276 75 
150 00 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— EAST CAMBRIDGE. 

[November 4.] 
George Stevens, President. Treasurer, Samuel Slocomb. 



Deposits, 


$711,349 27 




Profits, 


. 


20,460 94 




Interest, . 


... 


28,992 00 




Bank Stock, 


. . 




$54,504 42 


Railroad Bonds, 


i - i # 




82,500 00 


Real Estate, 


i • • 




11,560 74 


Loans on Bank Stock, 


• • • 




1,000 00 


on Real Estate, 


• • a 




561,050 00 


on Personal Security, 




500 00 


to Counties, Cities and Towns, 




43,482 50 


Expense Account, 




4,079 90 


Cash on hand, . . . . . 




2,124 65 






$760,802 21 


$760,802 21 



Number of Depositors, 3,300 

Rate of ordinary dividends for the last year, ..... 5^ per cent. 
Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank. . . . $7,298 20 

Annual expenses, 1,500 00 



EASTHAMPTON SAVINGS BANK— EASTHAMPTON. 

[June 26.] 
E. H. Sawyer, President. Treasurer, C. E. Williams. 



Deposits, 


$113,691 67 




Profits, . . ... 




445 74 




Interest, . 




743 57 




Bank Stock, .... 






$22,046 75 


Loans on Public Funds, . 






2,000 00 


on Bank Stock, 






3,250 00 


on Real Estate, 






51,335 00 


on Personal Security, . 






34,100 00 


Tax Account, .... 






384 94 


Expense Account, . 






17 75 


Cash on hand, . 






1,746 54 






$114,880 98 


$114,880 98 



Number of Depositors, 517 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in . Three years. 

Largest amount invested in the stock of any one bank, ... $5,256 00 

Annual expenses, 234 57 



1874.] 



PUBLIC DOCUMENT— No. 8. 



33 



EAST WEYMOUTH FIVE CENTS SAVINGS BANK— EAST WEYMOUTH. 

[October 9.] 
John P. Lovell, President. Treasurer, Nathan Canterbury. 



Deposits, 


$23,591 66 




Interest, ....... 


566 89 




Public Funds, . ' 




$1,900 00 


Loans on Real Estate, .... 




18,645 65 


to Counties, Cities and Towns, 




2,500 00 


Expense Account, . . . . 




230 07 


Cash on hand, 




882 83 




$24,158 55 


$24,158 55 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends. 



223 

6 per cent. 



ELIOT FIVE CENTS SAVINGS BANK— BOSTON. 
[March 6.] 



Wm. C. Appleton, President. 



Treasurer, George C. Leach. 



Deposits, . 


$929,441 33 




Profit and Loss Account, 


. . . 


10,863 36 




Interest, . 


> • . . 


10,611 16 




Suspense Account, . 


• . . . 


179 08 




Public Funds, . 


... 




$63,000 00 


Bank Stock, 


... 




55,400 00 


Railroad Bonds, 


... 




55,000 00 


Loans on Public Funds, 






54,000 00 


on Bank Stock, 


... 




14,800 00 


on Real Estate, 


• . . 




549,175 00 


on Personal Security, . 




145,000 00 


to Counties, Cities and Towns, 




7,000 00 


Expense Account, 




1,874 40 


Cash on hand, . 




5,845 53 






$951,094 93 


$951,094 93 



Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $13,000 00 

Annual expenses, 5,000 00 



5 



34 



BANK COMMISSIONER'S REPORT. [Jan. 



EMIGRANT SAVINGS BANK— BOSTON. 

[March 7.] 

Patrick Donahoe, President. Treasurer, Thomas J. Gargan. 



Deposits, 


$1,805,127 04 




Interest, . . . 






9,114 59 




Suspense Account, . 






96 50 




Public Funds, . 








$261,850 00 


Bank Stock, 








66,965 88 


Railroad Bonds, 








119,000 00 


Loans on Public Funds, . 








16,800 00 


on Real Estate, 








1,137,188 37 


on Personal Security, 








137,500 00 


Fixtures, .... 








5,044 78 


Premium Account, . 








9,572 92 


Expense Account, 








2,341 85 


Cash on hand, . 








58,074 33 








$1,814,338 13 


$1,814,338 13 



Number of Depositors, 6,524 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $13,600 25 

Annual expenses, . 9,590 44 



ESSEX SAVINGS BANK— LAWRENCE. 
[October 31.] 



George D. Cabot, President. 



Treasurer, James H. Eaton. 



Deposits, ....... 


$2,907,067 10 




Profits, 


. . ■ 


39,531 06 




Interest, . 


• • . 


103,090 36 




Public Funds, . 


. . . 




$150,000 00 


Bank Stock, 


. . . 




241,450 00 


Railroad Bonds, 


• • . • 




365,000 00 


Loans on Real Estate, 


. . . 




1,541,034 10 


on Personal Security, . 




523,092 34 


to Counties, Cities and Towns, 




172,000 00 


to Banks, on interest, . 




26,022 45 


Expense Account, 




14,374 43 


Cash on hand, . . . . 




16,715 20 






$3,049,688 52 


$3,049,688 52 



Number of Depositors, 8,803 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

.Annual expenses, 5,400 00 



♦ 



1874.] 



PUBLIC DOCUMENT— No. 8. 



35 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 

[September 2.] 
Isaiah F. Terry, President. Treasurer, Chas. Drew. 



Deposits, 


$721,513 38 




Profits, .... 


. . 


17,415 52 




Interest, . 


. . . 


14,192 10 




Public Funds, . 


. . . 




$108,500 00 


Bank Stock, 


■ . 




206,520 00 


Railroad Bonds, 


> . . . 




20,000 00 


Real Estate, 


• • • 




3,500 00 


Loans on Public Funds, 


> . . . 




1,358 98 


on Bank Stock, 


■ • . 




8,081 94 


on Real Estate, 


■ . . • 




3,215 17 


on Personal Security, . 




362,708 42 


on Railroad Stock, 




17,700 00 


to Counties, Cities and Towns, 




10,000 00 


Expense Account, 




625 60 


Cash on hand, . . . 




10,910 89 






$753,121 00 


$753,121 00 



Nnmber of Depositors, 1,376 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 1,600 00 



FALL RIVER FIVE CENTS SAVINGS BANK— FALL RIVER. 

[September 17.] 
S. Angier Chace, President. Treasurer, Charles J. Holmes. 



Deposits, 


$1,270,484 85 




Interest, . . . 






94,321 64 




Public Funds, . 








$100,000 00 


Bank Stock, 








170,700 00 


Railroad Bonds, 








100,000 00 


Loans on Real Estate, 








695,450 00 


on Personal Security, 








288,325 00 


to Banks, on interest, 








9,000 00 


Expense Account, . . . 








880 75 


Cash on hand, . 








450 74 








$1,364,806 49 


$1,364,806 49 



Number of Depositors, 6,200 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 3,100 00 



36 



BANK COMMISSIONER'S KEPORT. 



[Jan. 



J. B. French, President. 



FALL RIVER SAVINGS BANK, FALL RIVER. 

[September 17.] 



Treasurer, I. F. Lindsey. 



Deposits, .... 


$5,003,661 47 




Interest, . ....... 






347,316 83 




Public Funds, . 








$362,100 00 


Bank Stock, . . 








666,600 00 


Railroad Bonds, . . 








20,000 00 


Real Estate, . . 








50,000 00 


Loans on Real Estate, 








1,292,925 00 


on Personal Security, 








2,890,963 00 


to Counties, Cities and Towns, 




37,000 00 


Cash on hand, ...... 




31,390 30 








$5,350,978 30 


$5,350,978 30 



Number of Depositors, . . . 10,982 00 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $75,600 00 

Annual expenses, 8,250 00 



Nathaniel "Wood, President. 



FITCHBURG SAVINGS BANK— FITCHBTJRG. 
[April 8.] 



Treasurer, C. J. Billings. 



Deposits, 


$2,288,441 59 




Interest, . 




• • . 


27,776 82 




Suspense Account, 




. . • 


268 23 




Rent Account, . 




• . . 


4,747 54 




Public Funds, . 




. . . 




$176,000 00 


Bank Stock, 




• . . 




196,900 00 


Railroad Bonds, 




... 




2,700 00 


Real Estate, 




• . . 




187,000 00 


Loans on Public Funds, 


... 




15,600 00 


on Bank Stock, 


> • . a 




18,500 00 


on Real Estate, 


... 




865,076 00 


on Personal Security, . 




542,814 45 


on Railroad Stock, 




6,822 00 


to Counties, Cities and Towns, 




267,800 00 


Expense Account, 




1,392 81 


Cash on hand, . . 




40,628 92 








$2,321,234 18 


$2,321,234 18 



Number of Depositors, 6,658 

Rate of ordinary dividends for the last year 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $22,800 00 

Annual expenses, 3,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



37 



A. T. Lill, President. 



FLORENCE SAVINGS BANK— FLORENCE. 

[July 10.] 

Treasurer, H. H. Bond, 



Deposits, .... 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 




$1,600 00 

3,290 93 

1 00 

35 90 



t,927 83 



Number of Depositors, 
Commenced business, May, 1873. 



87 



FOXBOROUGH SAVINGS BANK— FOXBOROUOH. 

[August 27.] 
Otis Cart, President. Treasurer, James F. Leonard. 



Deposits, .,.-■-. 


$207,275 77 




Interest, 


2,230 74 




Public Funds, . . . . 




$9,300 00 


Bank Stock, ...... 




5,500 00 


Loans on Real Estate, . 




149,470 00 


on Personal Security, . 




23,400 00 


to Counties, Cities and Towns, 




13,500 00 


Cash on hand, 




8,336 51 




$209,506 51 


$209,506 51 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Last dividend of reserved profits, in 1871. 
Extra dividends are made once in ... . 
Largest amount invested in the stock of any one bank, 
Annual expenses 



850 
6 per cent. 

Five years. 
$1,500 00 
350 00 



38 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FRAMINGHAM SAYINGS BANK— FRAMINGHAM. 

[November 28.] 
George Phipps, President. Treasurer, C. S. Adams. 



Deposits, 


|916,768 44 




Profit and Loss Account, .... 


35,144 78 




Bills Payable, 


20,500 00 




Public Funds, 




$20,100 00 


Bank Stock, 




114,800 00 


Railroad Bonds, 




25,000 00 


Loans on Bank Stock, .... 




400 00 


on Real Estate, .... 




771,830 35 


on Personal Security, . 




16,899 00 


to Counties, Cities and Towns, 




9,500 00 


Furniture and Fixtures, .... 




2,000 00 


Expense Account, . . 




1,238 93 


Cash on hand, . . . . . 




10,644 94 




$972,413 22 


$972,413 22 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, . . . . . ... 



3,609 
6 per cent. 

$ 18,000 00 
2,500 00 



Osmyn Brewster, President. 



FRANKLIN SAVINGS BANK— BOSTON. 
[March 20.] 



Treasurer. Henry "Whitemore. 



Deposits, 


$3,934,796 39 




Profits, 


. . . 


45,166 87 




Interest, .... 


... 


22,831 50 




Public Funds, . 


. • 




$404,181 92 


Bank Stock, 


... 




113,503 33 


Railroad Bonds, 


... 




9,737 50 


Loans on Public Funds, 


• . . 




43,600 00 


on Real Estate, 


■ . . . 




2,853,845 64 


on Personal Security, . 




357,025 00 


to Counties, Cities and Towns, 




62,227 50 


to Banks, on interest, . 




110,352 88 


Tax Account, 




994 93 


Expense Account, 




408 31 


Accrued Interest Account, 




45,470 39 


Suspense Account, 




70 00 


Cash on hand, 




1,377 36 






$4,002,794 76 


$4,002,794 76 



Number of Depositors, 9,272 

Rate of ordinary divideDds for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $49,417 75 

Annual expenses, 11,141 41 



1874.] 



PUBLIC DOCUMENT— No. 8. 



39 



FRANKLIN SAVINGS INSTITUTION, GREENFIELD. 

[July 9.] 
Samuel 0. Lamb, President. Treasurer, Wm. Henry Allen. 



Deposits, 


$2,622,551 51 




Profits, 


• . 


52,803 72 




Public Funds, . 


• • 




$222,300 00 


Bank Stock, 


. • . 




67,900 00 


Railroad Bonds, 


, , , . 




55,000 00 


Loans on Public Funds, 


, , , , 




63,671 00 


on Bank Stock, 


, , , 




85,600 00 


on Real Estate, 


• . . 




958,006 92 


on Personal Security, . 




728,567 81 


to Counties, Cities and Towns, 




439,465 00 


to Banks, on interest, . 




37,540 04 


Expense Account, 




70 38 


Interest Account, . . . • '. 




16,466 19 


Cash on hand, . . 




767 89 






$2,675,355 23 


$2,675,355 23 



Number of Depositors, . . . 6,846 

Rate of ordinary dividends for the last year, . . . . . . 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . ... $20,400 00 

Annual expenses, 4,511 13 



GARDNER SAYINGS BANK—GARDNER. 

[May 15.] 
Chas. Hetwood, President. Treasurer, John D. Edgell. 



Deposits, 

Interest, 


$445,110 27 
169 29 




Bank Stock, 




$20,760 75 


Railroad Bonds, 




8,560 00 


Loans on Public Funds, .... 




500 00 


on Bank Stock, .... 




8,000 00 


on Real Estate, .... 




184,533 75 


on Personal Security, . . . 




90,470 14 


on Railroad Stock, 




800 00 


to Counties, Cities and Towns, 




121,196 95 


Expense Account, 




81 67 


Cash on hand, 




10,376 30 




|445,279 56 


$445,279 56 



Number of Depositors, ■ 1,366 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Annual expenses, 437 45 



40 



BANK COMMISSIONERS EEPORT. [Jan. 



GEORGETOWN SAVINGS BANK— GEORGETOWN. 

[November 6.] 

J. P. Jones, President. Treasurer, W. H. Harriman. 



Deposits, .... 

Interest, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . . . 




$6,030 53 

46,130 00 

10,825 00 

1,917 32 



$64,902 82 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Annual expenses, . . . . . 



6 per cent. 

$2,000 00 
175 00 



GRAFTON SAVINGS BANK— GRAFTON. 

[October 4.] 

A. M. Bigelow, President. Treasurer, Henry F. Wing. 



Deposits, . 

Interest, 

Bank Stock, 

Loans on Bank Stock, ; 
on Real Estate, 
on Personal Security, 

Expense Account, . 

Cash on hand, . 



,321 40 
2,169 16 



$ 95,490 56 



,945 24 

5,000 00 

53,285 00 

6,139 77 

9 50 

1,111 05 



)5,490 56 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 



6 per cent. 
$5,500 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



41 



GREENFIELD SAVINGS BANK—GREENFIELD. 

[July 8.] 
John Sanderson, President. Treasurer, R. A. Packard. 



Deposits, 


$737,736 89 




Profits, 


• • . 


18,774 10 




Bank Stock, 


• • • 




$103,919 11 


Railroad Bonds, 


... 




20,000 00 


Loans on Public Funds, 


• i . 




1,000 00 


on Bank Stock, 


• • ■ 




7,050 00 


on Real Estate, 


... 




320,839 86 


on Personal Security, . 




157,730 84 


to Counties, Cities and Towns, 




100,425 00 


to Banks, on interest, . . . 




40,000 00 


Tax Account, 




2,608 98 


Expense Account, 




500 00 


Cash on hand, 




2,437 20 






$756,510 99 


$756,510 99 



Number of Depositors, . 1,828 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,930 40 

Annual expenses, 1,100 00 



GREAT BARRINGTON SAVINGS BANK— GREAT BARRINGTON. 

[July 16.] 
Egbert Hollister, President. Treasurer, W. H. Parks. 



Deposits, 




$382,650 93 




Interest, . . . 


, 


8,115 58 




Bank Stock, .... 


, . 




$56,147 63 


Loans on Public Funds, . 


, 




3,800 00 


on Bank Stock, 


. . 




2,550 00 


on Real Estate, 


. , 




178,846 50 


on Personal Security, . 


, , 




108,072 37 


on Railroad Stock, 


, . 




1,500 00 


to Counties, Cities and Towns, 




6,000 00 








800 00 


Cash on hand, . . . 






33,050 01 




$390,766 51 


$390,766 51 



Number of Depositors, ... . . 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



1,546 
6 per cent. 

#15,341 63 
1,630 58 



42 



BANK COMMISSIONER'S REPORT. 



[Jan. 



GROVELAND SAVINGS BANK— GROVELAND. 

[November 18.] 
Charles Stickney, President. Treasurer, N. H. Griffith. 



Deposits, . . . 

Interest, 

Loans on Real Estate, . . 

on Personal Security, . 

to Counties, Cities and Towns, 
Cash on hand, . . ... 


$24,986 47 
70 93 


$19,850 00 

365 00 

4,350 00 

492 40 


* 


$25,057 40 


$25,057 40 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends. 



130 
7 per cent. 



HAMPDEN SAVINGS BANK— SPRINGFIELD. 

[June 3.] 
Eliphalet Trask, President. Treasurer, P. S. Bailey. 



Deposits, ....... 


$1,354,943 84 




Profits, . 


• . . 


9,170 95 




Interest, . 


• . • 


8,244 43 




Premium Account, . 


• . . 


4,149 00 




Bank Stock, 


, , , 




$176,305 00 


Railroad Bonds, 


... 




28,000 00 


Loans on Public Funds, 


• • • 




6,600 00 


on Bank Stock, 


. • . 




29,275 00 


on Real Estate, 


... 




843,995 00 


on Personal Security, . 




221,400 00 


to Counties, Cities and Towns, 




48,000 00 


Expense Account, 




1,653 36 


Cash on hand, ...... 




21,279 86 




. 


$1,376,508 22 


$1,376,508 22 



Number of Depositors, 3,293 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $38,054 00 

Annual expenses, 4,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



43 



HAMPSHIRE SAVINGS BANK— NORTHAMPTON. 
[June 27.] 



Luther Bodman, President. 



Treasurer, Lewis Warner. 



Deposits, 


$274,333 03 




Profits, 


. . • 


242 21 




Interest, . 


• . • 


49 60 




Public Funds, . 


■ • . . 




$1,105 00 


Bank Stock, 


... 




117,086 74 


Loans on Public Funds, 


, . , 




9,600 00 


on Bank Stock, 


, . , 




24,000 00 


on Real Estate, 


... 




95,425 00 


on Personal Security, . 




20,635 58 


to Counties, Cities and Towns, 




1,500 00 


Tax Account, 




1,008 08 


Cash on hand, 




4,264 44 






$274,624 84 


$274,624 84 



Number of Depositors, 912 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in . Three years. 

Largest amount invested in the stock of any one bank, . . . $30,542 00 

Annual expenses, 900 00 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[November 18.] 

John A. Appleton, President. Treasurer, A. B. Jaqtjes. 



Deposits, 


$2,415,668 48 




Profits, 


. . . 


29,915 17 




Interest, . 


. • • 


7,587 04 




Public Funds, . 


. 




$710,800 00 


Bank Stock, 


. . 




414,250 00 


Railroad Bonds, 


. • 




36,000 00 


Loans on Public Funds, 


■ • • 




12,600 00 


on Bank Stock, 


. • • 




6,950 00 


on Real Estate, 


> . • . 




1,144,150 00 


on Personal Security, . 




61,950 00 


on Railroad Stock, 




400 00 


to Counties, Cities and Towns, 


, 


53,000 00 


Expense Account, 




294 25 


Cash on hand, 




12,776 44 






$2,453,170 69 


$2,453,170 69 



Number of Depositors, 7,218 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $50,700 00 

Annual expenses 4,100 00 



44 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



HAYDENVILLE SAYINGS BANK—HAYDENVILLE. 

[July 10.] 

Joel Hayden, President. Treasurer, B. S. Johnson. 



Deposits, ....... 


$149,200 88 




Profits, ....... 


416 65 




Interest, . . . 


1,850 85 




Loans on Real Estate, . 




$67,700 00 


on Personal Security, . 




66,449 31 


to Counties, Cities and Towns, 




13,800 00 


to Banks, on interest, . 




1,437 10 


Expense Account, ..... 




532 35 


Tax Account, . . 




513 02 


Cash on hand, 




1,036 60 




|151,468 38 


$151,468 38 



Number of Depositors, 654 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in ...... . Three years. 

Annual expenses, $1,000 00 



HINGHAM INSTITUTION FOR SAVINGS— HINGHAM. 

[October 9.] 

Daniel Bassett, President. Treasurer, Henry C. Harding. 



Deposits, . . . 


$1,424,292 94 




Profits, 


• • • 


19,864 61 




Public Funds, . 


• ■ • 




$142,800 00 


Bank Stock, 


> . . . 




143,100 00 


Railroad Bonds, 


. i a 




25,000 00 


Real Estate, 


... 




1,921 03 


Loans on Public Funds, 


... 




1,000 00 


on Bank Stock, 


. • . 




1,870 00 


on Real Estate, 


> . . • 




1,006,210 13 


on Personal Security, . 




80,875 00 


on Railroad Stock, 




3,200 00 


to Counties, Cities and Towns, 




27,000 00 


Expense Account, . . . . . 




1,594 59 


Cash on hand, 




9,586 80 






$1,444,157 55 


$1,444,157 55 



Number of Depositors, 3,754 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



45 



HOLYOKE SAVINGS BANK— HOLYOKE. 

■ [June 4.] 

Joel Russell, President. Treasurer, R. B. Johnson. 



Deposits, . 

Interest, .... 

Bank Stock, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Furniture and Fixtures, . 

Expense Account, . 

Cash on hand, . 



|800,309 50 
17,106 23 



$817,415 73 



$104,179 42 

750 00 

536,200 00 

156,160 00 

4,000 00 

45 50 

16,080 81 



1817,415 73 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



6£ per cent. 

$30,300 00 
2,250 00 



HOME SAVINGS BANK— BOSTON. 

[October 30.] 
Henry Smith, President. Treasurer, E. O. Rockwood. 



Deposits, 


$5,551,782 49 


• 


Profits, 


• . . 


19,554 91 




Interest, . 


• . . 


36,983 26 




Public Funds, . 


• • • 




$194,216 42 


Bank Stock, 


. . 




439,032 10 


Railroad Bonds, 


• ■ . 




50,000 00 


Loans on Public Funds, 


• . . 




59,800 00 


on Bank Stock, 


. . 




136,580 15 


on Real Estate, 


• • • • 




3,046,734 25 


on Personal Security, . 




698,949 17 


on Railroad Stock, 




36,300 00 


to Counties, Cities and Towns, 




799,000 00 


to Banks, on interest, . 




50,345 94 


Suspense Account, . . . . 




567 68 


Expense Account, 




551 51 


Accrued Interest Account, 




88,589 00 


Cash on hand, 




7,654 44 






15,608,320 6Q 


$5,608,320 G6 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



6£ per cent. 

#45,000 00 
20,000 00 



46 



BANK COMMISSIONER'S KEPORT. 



[Jan. 



S. Johnson, President. 



HOOSAC SAVINGS BANK— NORTH ADAMS. 
[July 18.] | 



Treasurer, Austin Bond. 



Deposits, .... 

Interest, .... 

Bills Payable, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Furniture and Fixtures, . 
Expense Account, . 



$161,091 81 
8,076 42 
6,123 33 



$175,291 56 



$12,497 00 

107,682 40 

52,185 71 

570 42 

2,356 03 



$175,291 56 



Number of Depositors, 835 

Rate of ordinary dividends for the last year, . . . . ^ . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $12,497 00 

Annual expenses, . . . . . . . . . . . 1,240 14 



HOPKINTON SAVINGS BANK— HOPKINTON. 

[May 21.] 
L. H. Bowker, President. Treasurer, Wm. E. Jenks. 



• 

Deposits, 


$108,679 85 




Bills Payable, . . . 


3,000 00 




Bank Stock, 




$41,460 74 


Loans on Bank Stock, . . 




250 00 


on Real Estate, . . . 




36,856 00 


on Personal Security, . 




12,200 00 


to Counties, Cities and Towns, 




20,000 00 


Profit and Loss Account, .... 




59 28 


Expense Account, . 




1 00 


Cash on hand, 




852 83 




$111,679 85 


$111,679 85 



Number of Depositors, 460 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $11,023 74 

Annual expenses, 570 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



47 



HOLLISTON SAVINGS BANK—HOLLISTON. 

[April 22.] 
Alden Leland, President. Treasurer, Orrin Thompson. 



Deposits, . . - 


$57,291 79 




Interest, . 


• • . 


431 08 




Public Funds, . 


i • . 




$713 00 


Bank Stock, 


• • . 




8,889 08 


Railroad Bonds, 


, , , 




5,150 00 


Loans on Public Funds, 


> • i . 




4,100 00 


on Bank Stock, 


• • • 




3,125 00 


on Real Estate, 


• • . 




20,200 00 


on Personal Security, . 




1,000 00 


on Railroad Stock, 




300 00 


to Counties, Cities and Towns, 




7,395 00 


Expense Account, 




197 45 


Cash on hand, 




6,653 25 






$57,722 78 


$57,722 78 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 



357 
6 per cent. 
$5,480 33 



HUDSON SAVINGS BANK— HUDSON. 
[May 7.] 



Francis Brigham, President. 



Treasurer, F. D. Brigham. 



Deposits, 


$164,585 44 




Profits, 


. . . 


839 09 




Interest, . 


... 


56 30 




Bank Stock, 


, , , 




$6,106 00 


Railroad Bonds, 


• . • 




7,820 00 


Loans on Public Funds, 


• • . 




3,000 00 


on Bank Stock, 


... 




4,000 00 


on Real Estate, 


... 




104,645 00 


on Personal Security, 




13,750 00 


to Counties, Cities and Towns, 




23,000 00 


Furniture Account, 




407 68 


Expense Account, 




3 00 


Cash on hand, . . ... 




2,749 15 






$165,480 83 


$165,480 83 



Number of Depositors, 704 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . $3,900 00 

Annual expenses, 500 00 



48 



BANK COMMISSIONER'S REPORT. 



[Jan. 



HYANNIS SAVINGS BANK—HYANNIS. 

[August 13.] 

F. G. Kelley, President. Treasurer, Joseph It. Hall. 



Deposits, 


$465,537 


16 




Profits, ........ 


453 


81 




Bank Stock, 






$97,987 00 


Railroad Bonds, 






15,000 00 


Loans on Public Funds, . . . . 






1,250 00 


on Bank Stock, . . . 






16,483 00 


on Real Estate, .... 






173,361 47 


on Personal Security, . 






144,481 90 


on Railroad Stock, 






1,836 00 


to Counties, Cities and Towns, 






6,000 00 


Accrued Interest Account, 






6,245 76 


Cash on hand, . . 






3,345 84 




|465,990 


97 


$465,990 97 



Number of Depositors, 1,422 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $26,473 25 

Annual expenses, 1,486 90 



HYDE PARK SAVINGS BANK— HYDE PARK. 

[November 26.] 



Charles F. Gerry, President. 



Treasurer, Henry S. Bunton. 



Deposits, . 
Interest, . 
Bills Payable, . 
Bank Stock, 
Loans on Real Estate, 
Furniture and Fixtures, 
Profit and Loss Account, 
Expense Account, . 
Cash on hand, . 



$38,626 19 
1,373 72 
1,000 00 



$40,999 91 



$9,003 25 

29,561 40 

1,144 17 

368 75 

129 64 

792 70 



,999 91 



Number of Depositors, 384 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $1,452 50 

Annual expenses, 450 00 



1874.] 



PUBLIC DOCUMENT -No. 8. 



49 



INSTITUTION FOR SAVINGS IN NEWTON— NEWTON. 

[April 24.] 



George Hyde, President. 



Treasurer, E. J. Collins. 



Deposits, 


$295,737 


42 




Profits, 


9,708 


61 




Public Funds, . . . . 






$3,500 00 


Bank Stock, ...... 






17,705 00 


Loans on Public Funds, .... 






5,000 00 


on Bank Stock, ... 






5,500 00 


on Real Estate, . . . 






226,075 00 


on Personal Security, . 






34,900 00 


to Counties, Cities and Towns, 






2,125 00 


Expense Account, . . . . . 






753 95 


Cash on hand, 






9,887 08 




$305,446 03 


$305,446 03 



Number of Depositors, 1,472 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one hank, . . . $5,000 00 

Annual expenses, . . . 600 00 



INSTITUTION FOR SAVINGS IN NEWBURYPORT. 

[August 28,] 



Edward S. Mosely, President. 



Treasurer, R. Stone. 



Deposits, 


$4,190,282 51 




Interest, . 


• • . 


38,568 89 




Suspense Account, . 


... 


759 71 




Public Funds, . 


> . . . 




$143,300 00 


Bank Stock, 


> a . . 




988,339 20 


Railroad Bonds, 


... 




382,236 25 


Real Estate, 


. . . 




52,954 29 


Loans on Public Funds, 


i . . . 




36,500 90 


on Bank Stock, 


■ . . . 




3,500 00 


on Real Estate, 


. . . 




1,026,890 60 


on Personal Estate, 




503,463 75 


to Counties, Cities and Towns, 




1,040,591 41 


to Banks, on interest, 




12,366 45 


Fifty Associates' Stock, 




25,000 00 


Expense Account, 




1,576 15 


Annuity in Trust, 




12,227 45 


Cash on hand, ...... 




665 56 






$4,229,611 11 


$4,229,611 11 



Number of Depositors, 10,105 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $77,250 00 

Annual expenses, 6,000 00 

7 



50 



BANK COMMISSIONERS KEPOKT. 



[Jan. 



INSTITUTION FOR SAVINGS IN ROXBURY— BOSTON. 

[March 6.] 
A. D. Hodges, President. Treasurer, Edward Richards. 



Deposits, 


|2,221,916 


10 




Profits, 








59,695 


30 




Public Funds, . 












$156,063 65 


Bank Stock, 












188,139 97 


Railroad Bonds, 












130,000 00 


Real Estate, 












15,800 00 


Loans on Public Funds, 












46,550 00 


on Bank Stock, 












60,500 00 


on Real Estate, 












939,904 97 


on Personal Security, 










676,991 60 


to Counties, Cities and Towns, 






33,900 00 


Cash on hand, . . . . . 






33,761 21 










12,281,611 


40 


$2,281,611 40 



Number of Depositors, 6,675 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
Last dividend of reserved profits, in 1870. 

Extra dividends made once in . Five years. 

Largest amount invested in the stock of any one bank, . . . $58,729 50 

Annual expenses, 6,400 00 



IPSWICH SAVINGS BANK— IPSWICH. 

[October 21.] 

Joseph Ross, President. Treasurer, Theodore F. Cogswell. 



Deposits, .... 

Interest, .... 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$45,807 49 
316 54 



$46,124 03 



$1,868 84 
6,603 25 

26,555 00 

8,835 00 

1 00 

2,260 94 



$46,124 03 



Number of Depositors, 337 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $1,755 00 

Annual expenses, 75 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



51 



JAMAICA PLAIN SAVINGS BANK— WEST ROXBURY. 

[November 26.] 

John C. Pratt, President. Treasurer^ I. Phillips George. 



Deposits, .... 
Real Estate, 

Accrued Interest Account, 
Expense Account, . 
Cash on hand, . 




$7,600 00 

29 78 

786 78 

1,014 84 



1,431 40 



Number of Depositors, . . . 
Rate of ordinary dividends for the last year, 
No extra dividends. 



91 

6 per cent. 



LANCASTER SAVINGS BANK— LANCASTER. 
[April 23.] 



Henry Wilder, President. 



Treasurer^ C. T. Symmes. 



Deposits, . . . 


$880,809 53 




Profits, . . . . 






53,163 32 




Bank Stock, 








$61,300 00 


Railroad Bonds, 








15,000 00 


Loans on Public Funds, . 








1,100 00 


on Bank Stock, 








6,800 00 


on Real Estate, 








630,674 87 


on Personal Security, 








211,652 81 


on Railroad Stock, 








1,500 00 


Expense Account, . 








124 32 


Cash on hand, . . . 








5,820 85 








$933,972 85 


$933,972 85 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



2,344 

7 per cent. 

$15,000 00 
2,267 42 



52 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LAWRENCE SAVINGS BANK— LAWRENCE. 

[October 10.] 

Milton Bonney, President. Treasurer, W. R. Spaulding. 



Deposits, . 
Interest, . 
Bills Payable, 
Public Funds, 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Premium Account, . 
Expense Account, . 



$353,589 42 

11,601 83 

1,196 38 



$366,387 63 



$7,358 16 

34,800 00 

290,466 13 

24,975 00 

7,480 21 

1,308 13 



$366,387 63 



Number of Depositors, 1,558 

Rate of ordinary dividends for the last year, . . . . .6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $6,000 00 

Annual expenses, . . 1,450 00 



H. Garfield, President. 



LEE SAVINGS BANK— LEE. 

[July 16.] 



Treasurer, J. L. Kilborn. 



Deposits, 


$411,544 


07 




Interest, . 


. • 


9,913 


55 




Suspense Account, . 


■ • • 


2,418 


23 




Bills Payable, . 


• i . 


1,539 


08 




Public Funds, . 


> • • • 






$124,000 00 


Bank Stock, 


, . 






20,980 00 


Loans on Public Funds, 


• . . ■ 






4,525 00 


on Bank Stock, 


... 






960 00 


on Real Estate, 


• • . • 






211,651 31 


on Personal Security. . 






25,780 56 


to Counties, Cities and Towns, 






30,000 00 


Expense Account, . . 






1,251 67 


Profit and Loss Account, .... 






6,266 39 






$425,414 


93 


$425,414 93 



Number of Depositors, 1,390 

Rate of ordinary dividends for the last year, 6 per cent. 

Largest amount invested in the stock of any one bank, . .• . $6,400 00 

Annual expenses, 2,300 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



53 



LEICESTER SAVINGS BANK— LEICESTER. 

[June 19.] 
Ebenezer Hatch, President. Treasurer, T>. E. Merriam. 



Deposits, 


$175,855 20 




Interest, 


5,598 93 




Bills Payable, 


966 87 




Bank Stock, 




$41,830 62 


Railroad Bonds, . . 




3,030 00 


Loans on Public Funds, .... 




1,000 00 


on Real Estate, .... 




103,610 00 


on Personal Security, . 




25,319 75 


to Counties, Cities and Towns, 




6,200 00 


Dividend Account, 




656 98 


Tax Account, ...... 




645 27 


Expense Account, 




128 38 


* 


$182,421 00 


$182,421 00 



Number of Depositors, 464 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $5,954 40 

Annual expenses, 550 00 



LEOMINSTER SAVINGS BANK— LEOMINSTER. 

[April 29.] 
Leonard Burrage, President. Treasurer, A. L. Burditt. 



Deposits, 


$383,130 


45 




Profits, 


1,309 


15 




Bank Stock, 






$19,207 00 


Loans on Public Funds, . 






4,250 00 


on Bank Stock, .... 






12,000 00 


on Real Estate, .... 






270,790 00 


on Personal Security, . 






65,935 00 


on Railroad Stock, 






4,000 00 


to Counties, Cities and Towns, 






4,000 00 


Safe and Fixtures, . .'■'". 






635 15 


Cash on hand, 






3,622 45 




$384,439 


60 


$384,439 60 



Number of Depositors, 1,781 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $7,724 00 

Annual expenses, 700 00 



54 



BANK COMMISSIONER'S REPORT. 



[Jan. 



LEXINGTON SAVINGS BANK— LEXINGTON. 
[December 13.] 



Geo. W. Robinson, President. 



Treasurer, Wm. D. Phelps. 



Deposits, .... 
Interest, .... 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$55,785 24 
3,173 60 



$58,958 84 



$41,800 40 

14,750 00 

1,195 42 

1,213 42 



$58,958 84 



Number of Depositors, „ 327 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in ...... Three years. 

Annual expenses, , . . . . . . . . . . $583 86 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 

[April 11.] 
Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, 


$2,575,568 25 




Profits, . ... 


31,406 07 




Public Funds, ...... 




$150,000 00 


Bank Stock, 




377,329 50 


Railroad Bonds, 




2,000 00 


Real Estate, 




40,350 00 


Loans on Public Funds, .... 




2,000 00 


on Bank Stock, .... 




25,900 00 


on Real Estate, . . 




1,578,400 00 


on Personal Security, . 




172,500 00 


to Counties, Cities and Towns, 




194,300 00 


to Banks, on interest, . 




61,226 01 


Interest and Tax Account, ... 




844 15 


Expense Account, . . . . . 




1,854 18 


Cash on hand, . . . 




270 48 




$2,606,974 32 


$2,606,374 32 



Number of Depositors, 10,204 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $23,400 00 

Annual expenses, 6,174 30 



1874.] 



PUBLIC DOCUMENT— No. 8. 



55 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[March 28.] 
Theodore Edson, President. Treasurer, Geo. J. Carney. 



Deposits, . . . . 


$1,882,008 32 




Public Funds, . 








$500,000 00 


Bank Stock, 








368,300 00 


Real Estate, 








20,334 06 


Loans on Public Funds, . 








25,400 00 


on Bank Stock, 






, 


16,700 00 


on Real Estate, 








117,944 82 


to Cities and Towns, 






• 


679,975 00 


to Banks, on interest, 








128,666 14 


Profit and Loss Account, 








24,688 30 








$1,882,008 32 


$1,882,008 32 



Number of Depositors* . . 5,328 

Rate of ordinary dividends for the last year, 4 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . . $75,000 00 

Annual expenses, 4,500 00 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[September 5.] 
Thomas B. Newhall, President. Treasurer, B. V. French. 



Deposits, ....... 


$1,465,460 12 




Profit and Loss Account, 


7,757 96 




Rent Account, 


483 60 




Public Funds, 




$125,700 46 


Bank Stock, ...... 




386,362 25 


Railroad Bonds, . . 




49,450 00 


Real Estate, ...... 




44,529 24 


Loans on Bank Stock, 




19,550 00 


on Real Estate, . 




711,530 00 


on Personal Security, 




23,400 00 


to Counties, Cities and Towns, 




46,876 00 


Expense Account, 




6,670 67 


Cash on hand, . . . . . 




59,633 06 




$1,473,701 68 


$1,473,701 68 



Number of Depositors, 7,948 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $72,440 37 

Annualexpenses, 5,000 00 



56 



BANK COMMISSIONER'S REPORT. [Jan. 



LYNN INSTITUTION FOR SAVINGS— LYNN. 

[September 26.] 
David H. Sweetser, President. Treasurer, E. Lovejoy. 



Deposits, 


$ 1,560,694 82 




Profits, 


• • . 


7,366 4.4 




Interest, . 


• • . 


7,275 16 




Public Funds, . 


• . 




|10,000 00 


Bank Stock, 


• • • 




170,798 00 


Railroad Bonds, 


• • . 




33,000 00 


Real Estate, 


. • . 




60,000 00 


Loans on Bank Stock, 


i . . 




12,990 00 


on Real Estate, 


• • . 




884,486 82 


on Personal Security, . 




136,500 00 


to Counties, Cities and Towns, 




217,980 00 


to Banks, on interest, . 




47,600 00 


Expense Account, 




1,295 09 


Cash on hand, 




686 51 






$1,575,336 42 


$1,575,336 42 



Number of Depositors, 5,097 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $32,966 00 

Annual expenses, 3,328 27 



MALDEN SAVINGS BANK— MALDEN. 

[September 9.] 
Henry Barrett, President. Treasurer, Charles Merrill. 



Deposits, . 

Interest, . 

Bills Payable, 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 



$203,890 97 
3,799 04 
6,359 99 



$214,050 00 



$30,000 00 
5,600 00 

152,450 00 
16,000 00 
10,000 00 



$214,050 00 



Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $5,600 00 

Annual expenses, 1,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8, 



57 



MARBLEHEAD SAVINGS BANK— MARBLEHEAD. 

[November 13.] 
John F. Harris, President. Treasurer, "William Gilley, Jr. 



Deposits, 


$107,960 34 




Profits, 


110 04 




Interest, . . . . . 


4,169 28 




Public Funds, . . . . . 




$3,047 00 


Bank Stock, . 




22,005 39 


Loans on Real Estate, .... 




79,850 00 


to Counties, Cities and Towns, 




3,000 00 


Furniture Account, 




376 10 


Expense Account, 




562 47 


Cash on hand, 




3,398 70 




$112,239 66 


$112,239 66 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



889 
6£ per cent. 

$ 2,500 00 
625 00 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 

[May 7.] 



Sidney G. Fay, President. 



Treasurer, E. C. Whitney. 



Deposits, 


$703,564 53 




Profits, 


2,336 


52 




Interest, 


6,548 


24 




Bank Stock, . . . . 






$116,115 00 


Loans on Real Estate, .... 






509,950 00 


on Personal Security, . 






9,100 00 


to Counties, Cities and Towns, 






68,600 00 


Expense Account, ..... 






916 25 


Cash on hand, . . 






7,768 04 




$712,449 


29 


$712,449 29 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



2,103 
6£ per cent. 

#81,115 00 
2,500 00 



58 



BANK COMMISSIONER'S REPORT. [Jan. 



J. H. Newton, President. 



MECHANICS' SAVINGS BANK— HOLYOKE. 
[June 26.] 

Treasurer, C. R. Prescott. 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one hank, 



Deposits, 


$81,757 00 




Interest, .... 1 






2,613 47 




Bank Stock, 








$6,088 50 


Loans on Public Funds, . 








150 00 


on.Bank Stock, 








1,000 00 


on Real Estate, 








54,080 00 


on Personal Security, 








17,600 00 


Furniture and Fixtures, . 








1,497 57 


Expense Account, . 








1,478 48 


Cash on hand, . . . 








2,475 92 








$84,370 47 


$84,370 47 



628 
6£ per cent. 
$3,008 50 



MECHANICS' SAVINGS BANK— LOWELL. 

[April l.J 

Wm. A. Burke, President. Treasurer, C. C. Hutchinson. 



Deposits, . . . ... 


$1,877,325 63 




Profits, 


. . 


15,814 75 




Interest, .... 


... 


65,726 94 




Public Funds, . 


. . . 




$92,500 00 


Bank Stock, 


• . . . 




161,550 00 


Railroad Bonds, 


... 




29,000 00 


Real Estate, 






82,089 26 


Loans on Bank Stock, 






15,800 00 


on Real Estate, 


. . • 




1,192,935 35 


on Personal Security, . 




278,500 00 


to Counties, Cities and Towns, 




44,800 00 


Tax Account, 




7,131 71 


Expense Account, 




1,474 20 


Cash on hand, 




53,086 80 






$1,958,867 32 


$1,958,867 32 



Number of Depositors, 4,433 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $27,200 00 

Annual expenses 4,300 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



59 



MEDFORD SAVINGS BANK— MEDFORD. 

[December 9.] 
Henry Hastings, President. Treasurer, Herbert Magoun. 



Deposits, 


$187,108 84 




Profits, 


5,115 43 




Bank Stock, . . 




$18,382 50 


Railroad Bonds, 




9,130 00 


Loans on Bank Stock, . . . . 




1,000 00 


on Real Estate, . . 




122,141 00 


on Personal Security, . 




500 00 


to Counties, Cities and Towns, 




37,300 00 


to Banks, on interest, . 




2,994 51 


Furniture Account, 




400 00 


Expense Account, 




199 48 


Cash on hand, 




176 78 




$192,224 27 


$192,224 27 



Number of Depositors, 1,051 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $4,847 50 

Annual expenses, 625 00 



MED WAY SAVINGS BANK— MED WAY. 

[October 25.] 
M. M. Fisher, President. Treasurer, O. A. Mason. 



Deposits, .... 
Interest, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Estate, 
Expense Account, . 
Cash on hand, . 




$8,170 00 

55,449 13 

11,479 16 

149 65 

3,970 91 



$79,218 85 



Number of Depositors, 490 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $5,040 00 

Annual expenses, 300 00 



60 



BANK COMMISSIONER'S REPORT. [Jan. 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 
[November 11.] 



L. S. Hapgood, President. 



Treasurer, Anson J. Stone. 



Deposits, 


$3,873,772 89 




Profits, 


.... 


2,194 73 




Capital Stock, . 


i . • . . 


205,757 20 




Bills Payable, . 


. • . . . 


92,000 00 




Rent Account, . 


■ . • • . 


15,200 79 




Public Funds, . 


• 




$44,200 00 


Bank Stock, 


.... 




18,900 00 


Railroad Bonds, 


. . . . 




99,600 00 


Real Estate, 


.... 




185,340 01 


Loans on Public Funds, .... 




18,080 00 


on Bank Stock, .... 




1,700 00 


on Real Estate, . . . 




2,613,936 70 


on Personal Security, . 




185,583 00 


to Counties, Cities and Towns, 




881,700 00 


Accrued Interest Account, 




72,257 89 


Suspense Account, ..... 




1,000 00 


Expense Account, 




2,838 86 


Cash on hand, 




63,789 15 






$4,188,925 61 


$4,188,925 61 



Number of Depositors, ......... 10,568 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Annual expenses, 10,244 49 



MERRIMACK RIVER SAVINGS BANK— LOWELL. 

[April 11.] 
Josiah G. Peabody, President. Treasurer, G. W. Knowlton. 



Deposits, . 

Interest, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Accrued Interest Account, 

Expense Account, . 

Cash on hand, . 



$127,647 82 
3,107 82 



$130,755 64 



$12,119 38 

1,700 00 

105,825 00 

10,369 90 

207 97 

522 11 

11 28 



$130,755 64 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Largest amount invested in the stock of any one bank, 



384 

5 per cent. 

$3,880 50 



1874.] 



PUBLIC DOCUMENT— No. 8. 



61 



MIDDLEBOROUGH SAVINGS BANK— MIDDLEBOROUGH. 

[August 16.] 



Everett Robinson, President. 



Treasurer, C. B. Wood. 



Deposits, 


$16,155 35 




Interest, 


212 53 




Suspense Account, 


21 78 




Loans on Real Estate, .... 




$2,000 00 


on Personal Security, . 




3,100 00 


to Counties, Cities and Towns, 




5,000 00 


Expense Account, 




67 25 


Cash on hand, 




6,222 41 




$16,389 66 


$16,389 66 



Number of Depositors, 
Commenced business, May 1, 1873. 



188 



MIDDDESEX INSTITUTION FOR SAVINGS— CONCORD. 

[February 28.] 

George M. Brooks, President. Treasurer, George Haywood. 



Deposits, ....... 


$941,054 49 




Profits, . . . 


• • . 


12,409 56 




Interest, ... 


. . .' 


26,303 93 




Public Funds, . 


. . . 




$30,000 00 


Bank Stock, 


• . . • 




258,300 00 


Railroad Bonds, 


. . • 




140,000 00 


Loans on Real Estate, 


. • . 




407,022 80 


on Personal Security, . 




82,640 00 


to Counties, Cities and Towns, 




37,328 00 


Expense Account, 




237 63 


Cash on hand, 




24,239 55 






$979,767 98 


$979,767 98 



Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 2,325 00 



62 



BANK COMMISSIONER'S KEPORT. 



[Jan. 



MILFORD SAVINGS BANK— MILFORD. 
[April 22.] 



Orison Underwood, President. 



Treasurer, A. G. Underwood. 



Deposits, . . . 


$457,744 94 




Profits, * * 1 








64 82 




Interest, .... 








12,064 34 




Public Funds, . 










$43,100 00 


Bank Stock, 










48.068 87 


Real Estate, 










30,632 17 


Loans on Public Funds, 










6,950 00 


on Bank Stock, 










25,387 42 


on Real Estate, 










165,538 67 


on Personal Security, 








69,828 26 


to Counties, Cities and Towns, 




70,000 00 


Cash on hand, 




10,368 71 










$469,874 10 


$469,874 10 



Number of Depositors, 2,134 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $15,000 00 

Annual expenses, . . . . 1,500 00 



MILLBURY SAVINGS BANK— MILLBURY. 

[May 8.] 

Thos. J. Harrington, President. Treasurer, F. C. Miles. 



Deposits, . . . . . 


$287,487 73 




Interest, 


7,226 34 




Public Funds, . 




$35,000 00 


Bank Stock, . . . ... 




54,100 00 


Loans on Real Estate, .... 




169,000 00 


on Personal Security, . 




3,400 00 


to Counties, Cities and Towns, 




23,500 00 


Premium Account, 




6,216 62 


Expense Account, 




517 43 


Cash on hand, ...... 




2,980 02 


• 


$294,714 07 


$294,714 07 



Number of Depositors, 917 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, ... $9,300 00 

Annual expenses, 800 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



63 



MINERS' SAVINGS BANK— WEST STOCKBRIDGE. 

[July 17.] 
Geo. "W. Kniffin, President. Treasurer, Wm. C. Spaitlding. 



Deposits, 


$26 


,490 


93 




Interest, 




692 


96 




Suspense Account, ...... 




2 


10 




Public Funds, 








$3,036 82 


Loans on Real Estate, . 








14,675 00 


on Personal Security, . 








5,100 00 


to Counties, Cities and Towns, 








800 00 


Expense Account, 








164 19 


Cash on hand, . 








3,409 98 




$27 


,185 


99 


$27,185 99 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends. 
Annual expenses, 



159 
6 per cent. 



$164 19 



MONSON SAVINGS BANK— MONSON. 
[June 10.] 



Chas. H. Merrick, President. 



Treasurer, E. F. Morris. 



Deposits, .... 

Interest, . . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$94,163 57 
2,351 94 



,515 51 



$31,354 50 

7,850 00 

43,050- 00 

9,765 00 

4,496 01 



$96,515 51 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



356 
6 per cent. 

$5,070 00 
350 00 



64 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NANTUCKET INSTITUTION FOR SAVINGS— NANTUCKET. 

[September 11.] 
George Cobb, President. Treasurer, Matthew Barney. 



Deposits, 


|579,895 49 




Profits, 


• . . 


3,917 08 




Interest, .... 


... 


60 m 




Premium Account, . 


• ■ . 


1,936 00 




Public Funds, . 


• • • . 




$38,900 00 


Bank Stock, 


• ■ ■ 




124,600 00 


Real Estate, 


• • . 




3,575 00 


Loans on Bank Stock, 


, , . , 




347 54 


on Real Estate, 


. . . 




390,436 37 


on Personal Security, . 




16,640 07 


on Railroad Stock, 




450 00 


to Counties, Cities and Towns, 




875 00 


to Banks, on interest, . 




3,237 93 


Expense Account, 




2,325 65 


Cash on hand, . . . . . 




4,421 67 






$585,809 23 


$585,809 23 



Number of Depositors, 1,641 

Rate of ordinary dividends for the last year, . . . . " . 6£ per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . .• . §20,000 00 

Annual expenses, 2,175 68 



NATICK FIVE CENTS SAYINGS BANK— NATICK. 

[November 28.] 



John Kimball, President. 



Treasurer, James Whitney. 



Deposits, 


$328,775 14 




Profits, . . .■"■'•'. 


4,167 81 




Bank Stock, 




$3,300 00 


Loans on Real Estate, .... 




257,021 53 


on Personal Security, . . 




18,100 00 


to Counties, Cities and Towns, 




49,500 00 


Cash on hand, 




5,021 42 




$332,942 95 


$332,942 95 



Number of Depositors, 1,515 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, ... $2,000 00 

Annual expenses, 1,050 00 



1874.] 



PUBLIC DOCUMENT— No. 8, 



65 



NEW BEDFORD FIVE CENTS SAVINGS BANK— NEW BEDFORD. 

[September 3.] 
George Howland, Jr., President. Treasurer, B. Ricketson. 



Deposits, 


$2,046,811 61 




Profits, . 




. . . 


29,302 69 




Interest, . 




• . . 


40,201 76 




Discount, . 




. . • 


25,771 55 




Premium Account, 




. . . 


34,762 31 




Public Funds, . 




... 




$1,237,500 00 


Bank Stock, 




. . • 




105,100 00 


Railroad Bonds, 




... 




83,500 00 


Loans on Public Funds, 


, , , 




1,800 00 


on Bank Stock, 


... 




4,960 00 


on Real Estate, 


• • . 




375,606 02 


on Personal Security, . 




346,757 75 


to Counties, Cities and Towns, 




400 00 


Furniture and Fixtures, . . 




8,942 38 


Expense Account, 




2,255 46 


Cash on hand, . ... 




10,028 31 








$2,176,849 92 


$2,176,849 92 



Number of Depositors, 10,690 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $49,400 00 

Annual expenses, 6,800 00 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[September 3.] 
Wm. C. Taber, President. Treasurer, Chas. H. Pierce. 



Deposits, . . . 


$7,770,470 37 




Profits, 








167,009 89 




Surplus Fund, . 








125,000 00 




Public Funds, . 










$2,978,184 75 


Bank Stock, 










1,216,700 00 


Railroad Bonds, 










657,807 50 


Real Estate, 










10,956 48 


Loans on Public Funds, 










30,145 00 


on Bank Stock, 










42,330 00 


on Real Estate, 










59,012 27 


on Personal Security, 






2,451,143 87 


on' Railroad Stock and Bonds, 




74,800 00 


to Counties, Cities and Towns, 




465,430 00 


to Banks, on interest, . 




40,735 10 


Suspense Account, . 




23,897 06 


Expense Account, 




6,166 35 


Cash on hand, 




5,171 88 










$8,062,480 26 


$8,062,480 26 



Number of Depositors, 17,445 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $16/5,600 00 

Annual expenses, 14,400 00 

9~ 



66 



BANK COMMISSIONER'S REPORT. [Jan. 



NEWBURYPORT FIVE CENTS SAVINGS BANK— NEWBURY PORT. 

[October 21.J 
David Wood, President. Treasurer, J. A. Maynahd. 



Deposits, 


$791,135 84 




Profits, 


... 


5,342 16 




Interest, . 


. 


24,270 34 




Public Funds, . 


. . 




$80,000 00 


Bank Stock, 


... 




87,700 00 


Railroad Bonds, 


. • • 




16,437 00 


Real Estate, 


, , , 




8,100 00 


Loans on Public Funds, 


... 




2,900 00 


on Bank Stock, 


• . . 




6,800 00 


on Real Estate, 


. 




454,859 40 


on Personal Security, . 




48,890 00 


to Counties, Cities and Towns, 




94,805 00 


to Banks, on interest, . 




11,292 21 


Expense Account, ..... 




4 50 


Cash on hand, 




8,960 23 






$820,748 34 


$820,748 34 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



3,495 

6£ per cent. • 

$7,500 00 
1,700 00 



NORTHAMPTON INSTITUTION FOR SAVINGS— NORTHAMPTON. 

[June 28.] 



William Allen, President. 



Treasurer \ L. Maltby. 



Deposits, 


$1,666,078 43 




Profits, .... 






16,683 08 




Public Funds, . 








$199,000 00 


Bank Stock, ... 








50,800 00 


Loans on Public Funds, . 








24,213 07 


on Bank Stock, 








50,596 80 


on Real Estate, 








668,349 00 


on Personal Security, 








414,478 16 


to Counties, Cities and Towns, 




201,746 93 


Cash on hand, . ... 




73,577 55 








$1,682,761 51 


$1,682,761 51 



Number of Depositors, . . 5,018 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $14,500 00 

Annual expenses, 5,000 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



67 



NORTH ADAMS SAVINGS BANK— NORTH ADAMS. 

[July 18.] 



John F. Arnold, President. 



Treasurer, V. A. Whitaker. 



Deposits, 


|644,264 34 




Profits, .... 


. . . 


15,009 18 




Interest, . 


• . . . 


1,594 44 




Public Funds, . 


» . . . 




$10,000 00 


Bank Stock, 


. • ■ 




21,061 75 


Real Estate, 


• • • . 




8,701 51 


Loans on Public Funds, 


... 




2,200 00 


on Bank Stock, 


• . . . 




5,432 49 


on Real Estate, 


. . . 




375,805 08 


on Personal Security, . 




201,797 67 


to Counties, Cities and Towns, 




31,258 66 


Expense Account, . . 




2,462 41 


Cash on hand, . ... 




2,148 39 






$660,867 96 


$660,867 96 



Number of Depositors, 2,210 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $19,661 75 

Annual expenses, - . . . . . 2,900 00 



NORTH AVENUE SAVINGS BANK— CAMBRIDGE. 

[December 1.] 
Sam'l F. Woodbridge, President. Treasurer, Milton L. Walton. 



Deposits, .... 

Interest, .... 

Loans on Real Estate, 

on Personal Security, 
to Banks, on interest, 

Expense Account, . 

Furniture, Safe and Fixtures, 

Cash on hand, . 



$23,728 51 
411 17 



$24,139 68 



$13,500 00 

2,800 00 

6,345 50 

582 37 

533 02 

378 79 



$24,139 68 



Number of Depositors, 237 

Rate of ordinary dividends for the last year, 6 per cent- 
No extra dividends. 

Annual expenses, $300 00 



68 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGEWATER. 

[November 20.] 
Henry "W. Robinson, President. Treasurer, Edward Southworth. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



|520,880 49 
1,968 21 

2,265 22 



$525,113 91 



$418 50 

33,922 50 

334,777 45 

143,120 00 

12,875 36 

$525,113 91 



Nnmber of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one hank, 

Annual expenses, 



2,300 
6 per cent. 

$12,971 50 
1,500 00 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[June 11.] 
Charles Adams, Jr., President. Treasurer, Bonum Nye. 



Deposits, 


$236,768 86 




Profits, . . . 


6,950 74 




Public Funds, 




$19,500 00 


Bank Stock, 




11,500 00 


Railroad Bonds, 




50,000 00 


Loans on Real Estate, . 




136,505 00 


on Personal Security, . 




2,300 00 


to Counties, Cities and Towns, 




22,600 00 


Furniture Account, 




118 00 


Expense Account, ..... 




28 50 


Cash on hand, 




1,168 10 




$243,719 60 


$243,719 60 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, 
No extra dividends. 
Annual expenses, 



1,094 
6 per cent. 



$750 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



69 



NORTH EASTON SAYINGS BANK— NORTH EASTON. 

[May 27.] 
F. L. Ames, President. Treasurer, P. A. Gifford. 



Deposits, . . . . . . 


$226,396 62 




Profits, .... 






6,115 97 


• 


Public Funds, ... 








$25,705 00 


Bank Stock, 








63,316 89 


Railroad Bonds, 








'13,390 00 


Loans on Bank Stock, 








16.000 «00 


on Real Estate, 








63,781 46 


on Personal Security, 








41,000 00 


to Banks, on interest, 


> » . 




4,000 00 


Cash on hand, . 


• 




5,319 24 








$232,512 59 


$232,512 59 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



7 per cent. 

$10,690 00 
450 00 



NORTH END SAVINGS BANK— BOSTON. 

[February 26.] 



Robert Marsh, President. 



Treasurer, G. C. Trumbull. 



Deposits, 


$390,616 59 




Interest and Profits, 




. 




12,445 83 




Public Funds, . ' . 










$13,025 00 


Bank Stock, 










37,018 79 


Railroad Bonds, 










11,411 25 


Loans on Public Funds, 










1,000 00 


on Bank Stock, 










3,500 00 


on Real Estate, 










259,891 45 


on Personal Security, 








43,300 00 


on Railroad Stock and Bonds, 




2,700 00 


to Counties, Cities and Towns, 




10,975 00 


Furniture and Lease Account, 




805 36 


Expense Account, 




1,480 76 


Tax Account, . 




1,150 42 


Cash on hand, . . . . 




16,804 39 










$403,062 42 


$403,062 42 



Number of Depositors, 1,350 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . ... $8,012 75 

Annual expenses, 2,000 00 



70 



BANK COMMISSIONER'S REPORT. 



[Jan. 



ORANGE SAVINGS BANK— ORANGE. 

[June 13.] 
A. J. Clark, President. Treasurer, G. A. "Whipple. 



Deposits, .... 

Profits, .... 

Bank Stock, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 
to Banks, on interest, 

Cash on hand, . 




$8,093 75 

800 00 

28,600 00 

19,750 00 

6,980 00 

1,041 04 



55,264 79 



Number of Depositors, 407 

Rate of ordinary dividends for the last year, . . . . . 6 per cent N 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $8,093 75 

Annual expenses, 225 00 



PALMER SAVINGS BANK— PALMER. 

[June 11.] 
Horace P. Wakefield, President. Treasurer, Marshall "W. French. 



Deposits, 


$238,311 69 




Interest, .... 1 






940 63 




Public Funds, .... 








$4,890 00 


Bank Stock, ... 








20,425 00 


Railroad Bonds, 








4,000 00 


Loans on Public Funds, , 








200 00 


on Bank Stock, 








3,725 00 


on Real Estate, 








126,601 00 


on Personal Security, 








63,521 60 


to Banks, on interest, 








7,387 35 


Expense Account, . 








1,139 13 


Cash on hand, . 








7,363 24 








$239,252 32 


$239,252 32 



Number of Depositors, . . . 862 

Rate of ordinary dividends for the last year, . . ... . 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $6,250 00 

Annual expenses, 287 75 



1874.] 



PUBLIC DOCUMENT— No. 8. 



71 



PEOPLE'S SAVINGS BANK— WORCESTER. 

[May 9.] 
John C. Mason, President. Treasurer, C. M. Bent. 



Deposits, 


$3,050,066 54 




Interest, . 






56,163 72 




Suspense Account, 






507 22 




Rent Account, . 






636 18 




Public Funds, . 








$283,500 00 


Bank Stock, 








568,800 00 


Railroad Bonds, 








52,000 00 


Real Estate, 








65,000 00 


Loans on Public Funds, 






20,500 00 


on Bank Stock, 






20,600 00 


on Real Estate, 






1,658,685 64 


on Personal Security, . 




222,872- 47 


on Railroad Stock, 




3,400 00 


to Counties, Cities and Towns, 




10,700 00 


to Banks, on interest, . 




11,404 22 


Premium Account, 




124,398 65 


Profit and Loss Account, 






51,013 61 


Expense Account, . 






1,822 16 


Tax Account, . 






11,109 24 


Cash on hand, . 






1,567 67 








$3,107,373 66 


$3,107,373 66 



Number of Depositors, 8,902 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $45,900 00 

Annual expenses, . . .-"-,. . 8,224 97 



PLYMOUTH FIVE CENTS SAVINGS BANK— PLYMOUTH. 

[October 17.] 
Leander Lovell, President. Treasurer, "D. J. Robbins. 



Deposits, 


$459,190 20 




Profits, 


.... 


1,923 87 




Interest, . 


• . . . • 


8,380 84 




Suspense Account, 


.... 


2 85 




Public Funds, . 


. . 




$52,000 00 


Bank Stock, 


.... 




24,790 00 


Railroad Bonds, 


.... 




55,000 00 


Real Estate, 


.... 




2,900 00 


Loans on Public Funds, . 




1,900 00 


on Bank Stock, .... 




2,697 00 


on Real Estate, .... 




264,732 00 


on Personal Security, . 




34,940 00 


to Counties, Cities and Towns, 




22,000 00 


Expense Account, 




639 97 


Cash on hand, 




7,898 79 






$469,497 76 


$4(59,497 76 



Number of Depositors, 2,391 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Annual expenses 1 ,500 00 



72 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[October 17.] 
Jacob H. Loud, President. Treasurer, John J. Russell. 



Deposits, 


$1,926,931 16 




Profits, 




• . 


37,354 69 




Interest, . 




. . . 


54,118 79 




Suspense Account, 




• . . . 


148 97 




Public Funds, . 




. . 




$349,696 25 


Bank Stock, 




. . 




430,975 00 


Railroad Bonds, 




• . . . 




148,880 00 


Real Estate, 




. . 




9,900 00 


Loans on Public Funds, 


• 




11,300 00 


on Bank Stock, 


•«!'•'• 




12,800 00 


on Real Estate, 


. . . 




722,120 00 


on Personal Security, . 




160,618 70 


on Railroad Stock, 




22,900 00 


to Counties, Cities and Towns,* 




121,000 00 


Expense Account, 




1,325 12 


Cash on hand, 




27,038 54 








$2,018,553 61 


$2,018,553 61 



Number of Depositors, 

Bate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, ^ . . 



6,894 
7 per cent. 

$27,000 00 
5,500 00 



PROVIDENT INSTITUTION FOR SAVINGS— BOSTON. 

[March 26.] 

John Amory Lowell, President. Treasurer, Peter Wainwright. 



Deposits, . 


$12,920,047 02 




Interest, . . . 


. . 


88,906 15 




Suspense Account, . 


. . . 


7,450 02 




Public Funds, . 


. . . 




$209,500 00 


Bank Stock, 


. . . 




1,193,500 00 


Railroad Bonds, 


. . . 




459,250 00 


Real Estate, 


• . . 




50,000 00 


Loans on Public Funds, 


• . * ■ ■ 




30,000 00 


on Bank Stock, 


. . . 




54,787 00 


on Real Estate, 


. a . 




4,896,300 00 


on Personal Security, . 




4,910,500 00 


on Railroad Stock, 




20,713 00 


to Counties, Cities and Towns, 




865,400 00 


to Banks, on interest, . 




30,000 00 


Profit and Loss Account, .... 




52,843 92 


Expense Account, 




6,161 12 


Cash on hand, 




237,848 15 






$13,016,403 19 


$13,0.16,403 19 



Number of Depositors, 32,330 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Annual expenses $36,819 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



73 



PROVIDENT INSTITUTION FOR SAVINGS— SALISBURY. 

[October 22.] 



"William C. Binney, President. 



Treasurer, Thomas J. Clark. 



Deposits, . . ."■•'.. 


fl,139,931 49 




Profits, 




. . . 


6,000 00 




Interest, . 




. . • 


40,322 65 




Public Funds, . 




. . . 




$396,000 00 


Bank Stock. 




. . . 




134,325 00 


Railroad Bonds, 




. . . 




60,000 00 


Real Estate, 




... 




2,500 00 


Loans on Public Funds, 


... 




2,600 00 


on Real Estate, 


■ . . . 




208,150 00 


on Personal Security, . 




254,600 00 


to Counties, Cities and Towns, 




94,500 00 


to Banks, on interest, . .'•■■.. 




26,000 00 


Expense Account, 




918 01 


Cash on hand, 




6,661 13 








fl,186,254 14 


$1,186,254 14 



Number of Depositors, 4,090 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $10,000 00 

Annual expenses, 1,865 00 



Edward Turxer, President. 



QUINCY SAVINGS BANK— QUINCY. 

[May 28.] 



Treasurer, Geo. L. Gill. 



Deposits, 


$963,770 00 




Profits, .... 


• • . 


8,437 50 




Public Funds, . 


... 




$93,000 00 


Bank Stock, 


... 




82,662 74 


Railroad Bonds, 


... 




20,000 00 


Loans on Public Funds, 


• . . . 




5,900 00 


on Bank Stock, 


... 




11.500 00 


on Real Estate, 


■ • . . 




681,483 81 


on Personal Security, . 




6,500 00 


to Counties, Cities and Towns, 




18,000 00 


Interest Account, 




1,944 49 


Expense Account, . 




195 30 


Safe and Furniture, . . 




1,200 00 


Cash on hand, 




49,821 16 




$972,207 50 


$972,207 50 



Number of Depositors, 2,924 

* Rate of ordinary dividends for the last year 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends arc made once in . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $'20,000 00 

Annual expenses, 2,500 00 



10 



74 



BANK COMMISSIONER'S REPORT. [Jan. 



Atherton Wales, President. 



RANDOLPH SAVINGS BANK— RANDOLPH. 

[December 24.] 

Treasurer, Seth Turner. 



Deposits, 


$575,204 40 




Interest, . 


■ i . 


12,242 99 




Premium Account, . 


, , , 


7,242 18 




Public Funds, . 


i • . . 




$44,500 00 


Bank Stock, 


i . 




146,469 97 


Railroad Bonds, 


• • . 




85,000 00 


Loans on Public Funds, 


• . . 




2,400 00 


on Bank Stock, 


, , , 




17,700 00 


on Real Estate, 


. . . 




205,050 00 


on Personal Security, . 




66,000 00 


on Railroad Stock, 




6,100 00 


to Counties, Cities and Towns, 




3,000 00 


Expense Account, 




4,390 86 


Cash on hand, 




14,078 74 






1594,689 57 


$594,689 57 



Number of Depositors, ... 1,761 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last dividend of reserved profits, in 1871. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $9,500 00 

Annual expenses, 600 00 



READING SAVINGS BANK— READING. 

[November 8.] 
Ephraim Hunt, President. Treasurer \ N. P. Pratt. 



Deposits, .... 
Interest, .... 
Bank Stock, 
Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$174,799 84 
1,925 33 



$176,725 17 



$13,800 00 

133,900 00 

21,905 29 

7,119 88 



$176,725 17 



Number of Depositors, . * 753 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $5,000 00 

Annual expenses, 900 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



75 



ROCKPORT SAVINGS BANK— ROCKPORT. 

[November 14.] 
Henry Dennis, President. Treasurer y Newell Giles. 



Deposits, .... 

Profits, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 




$82,144 25 

214,129 25 

71,567 92 

1,674 25 

$369,515 67 



Number of Depositors, . 1,447 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $9,719 55 

Annual expenses, 1,200 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[October 7.] 
Henry L. Williams, President. Treasurer, Chas. H. Henderson. 



Deposits, 


$1,768,501 48 




Profits, 


29,110 59 




Public Funds, . . . . 




$46,950 00 


Bank Stock, 




219,581 00 


Railroad Bonds, . . 




32,320 00 


Loans on Public Funds, . . 




14,200 00 


on Bank Stock, .... 




1,000 00 


on Real Estate, .... 




926,514 00 


on Personal Security, . 




274,127 00 


on Railroad Stock, 




4,950 00 


to Counties, Cities and Towns, 




232,247 50 


to Banks, on interest, . 




12,200 00 


Safe and Furniture Account, . 




300 00 


Cash on hand, ...... 




3,222 57 




$1,797,612 07 


$1,797,612 07 



Number of Depositors, 6,946 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $ 3 1,000 00 

Annual expenses, 4,600 00 



76 



BANK COMMISSIONER'S REPORT. [Jan. 



SALEM SAVINGS BANK— SALEM. 

[August 30.] 
Joseph S. Cabot, President. Treasurer, Chas. E. Symonds. 



Deposits, . . . ■ . . . 


$5,607,534 17 




Profits, . . 


. ■ . . 


220,551 75 




Public Funds, . 


• . 




$827,000 00 


Bank Stock, 


. . 




294,890 00 


Railroad Bonds, 


• . . 




209,000 00 


Real Estate, 


. . 




'75,000 00 


Loans on Public Funds, 


• • • • 


■ 


26,800 00 


on Bank Stock, 


, . , 




30,800 00 


on Real Estate, 


... 




1,562,662 50 


on Personal Security, . 




1,163,376 00 


on Railroad Stock, 




20,000 00 


to Counties, Cities and Towns, 




1,590,500 00 


to Banks, on interest, . 




24,000 00 


Cash on hand, 




4,057 42 






$5,828,085 92 


$5,828,085 92 



Number of Depositors, 16,134 ' 

Rate of ordinary dividends for the last year, ......... . . 6 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in . Five years. 

Largest amount invested in the stock of any one hank, . . . $60,000 00 

Annual expenses, 12,000 00 



SANDWICH SAVINGS BANK— SANDWICH. 

[August 15.] 
Wm. E. Boyden, President. Treasurer, H. G. O. Ellis. 



Deposits, .... 
Profits and Interest, 
Public Funds, . 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . . 




$3,675 67 

56,259 00 

21,040 00 

3 06 

7,611 77 



$88,589 50 



Number of Depositors, .... 
Bate of ordinary dividends for the last year, 
No extra dividends. 
Annual expenses, 



519 
6J per cent. 



$220 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



77 



John Beale, President. 



SCITUATE SAVINGS BANK— SCITUATE. 
[September 23.] 

Treasurer, C. "W. Prouty. 



Deposits, 

Profit and Loss Account, .... 


$141,248 53 
1,486 96 




Interest, ..■•-. 


620 32 




Bank Stock, . . . 

Loans on Real Estate, .... 




$17,500 00 
96,187 00 


on Personal Security, . 

to Counties, Cities and Towns, 




10,540 23 
16,170 00 


Cash on hand, 




2,958 58 




$143,355 81 


$143,355 81 



Number of Depositors, . 391 

Rate of ordinary dividends for the last year, . . . . . 7 per cent. 
Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank. . . . $7,000 00 

Annual expenses, . . . . ... ... • • 275 00 



SEAMEN'S SAVINGS BANK— PROVINCETOWN. 

[August 12.] 
David Fairbanks, President. Treasurer, J. H. Dyer. 



Deposits, 


$569,207 


25 




Profits, . . . 


• . 


1,355 


88 




Interest, . 


... 


425 


20 




Premium Account, . 


. . 


6,944 


67 




Dividend Account, . 


... 


9,352 


88 




Public Funds, . 


. • < 






$89,500 00 


Bank Stock, 


. • . 






62,000 00 


Railroad Bonds, 


. ■ • 






85,500 00 


Real Estate, 


... 






1,336 04 


Loans on Real Estate, 


> . . . 






100,764 00 


on Personal Security, . 






82,200 17 


to Counties, Cities and Towns, 






121,775 00 


to Banks, 






6,000 00 


Furniture and Safes, .... 






1,850 43 


Cash on hand, ....... 






36,360 24 






$587,285 


88 


$587,285 88 



Number of Depositors, 1,814 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $12,600 00 

Annual expenses 2,050 00 



78 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



SHELBURNE FALLS SAVINGS BANK—SHELBURNE FALLS. 

[July 8.] 
F. A. Ball, President. Treasurer, A. K. Hawks. 



Deposits, 


$573,084 28 




Profits, . 


716 86 




Interest, 


2,590 77 




Public Funds, 




$14,000 00 


Bank Stock, 




71,900 00 


Real Estate, ...... 




5,500 00 


Loans on Bank Stock, .... 




2,500 00 


on Real Estate, . . . . 




331,450 00 


on Personal Security, . 




113,284 55 


to Counties, Cities and Towns, 




15,700 00 


to Banks, on interest, . 




19,845 55 


Cash on hand, ...... 




2,211 81 




$576,391 91 


$576,391 91 



Number of Depositors, 2,700 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,300 00 

Annual expenses, 1,600 00 



SOTJTHBRIDGE SAVINGS BANK— SOUTHBRIDGE. 

[August 6.] 

Treasurer, S. M. Lane. 



Samuel Hartwell, President. 



Deposits, 


$712,324 47 




Profit and Loss Account, .... 


11,482 92 


• 


Interest, . • 


3,981 72 




Public Funds, ...... 




$234,000 00 


Bank Stock, .... . 




56,300 00 


Loans on Public Funds, . . 




29,950 00 


on Bank Stock, 




3,500 00 


on Real Estate, .... 




288,350 00 


on Personal Security, 




88,300 00 


to Counties, Cities and Towns, 




18,000 00 


to Banks, on interest, . 




9,000 00 


Expense Account, 




5 90 


Cash on hand, ...... 




383 21 




$727,789 11 


$727,789 11 



Number of Depositors, 2,311 

Rate of ordinary dividends for the last year, 5 per cent. 

Extra dividends arc made once in Three years. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 700 00 



1874.] 



PUBLIC DOCUMENT— No. 8, 



79 



H. J. Bliss, President. 



SOUTH ADAMS SAVINGS BANK— SOUTH ADAMS. 
[July 18.] 



Treasurer, H. H. "Wellington. 



Deposits, 


$237,803 


87 




Profits, 


3,552 


54 




Interest, 


285 


19 




Bank Stock, ...... 






$22,040 00 


Loans on Public Funds, . 






150 00 


on Bank Stock, 






10,900- 00 


on Real Estate, .... 






76,225 00 


on Personal Security, . 






116,075 00 


to Counties, Cities and Towns, 






4,500 00 


to Banks, on interest, . 






11,585 60 


Expense Account, 






41 67 


Cash on hand, 






124 33 




#241,641 


60 


$241,641 60 



Number of Depositors, " . 805 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $18,900 00 

Annual expenses, 800 00 



F. W. Nickerson, President. 



SOUTH BOSTON SAYINGS BANK— BOSTON. 
[March 5.] 



Treasurer, D. McB. Tiiaxtek. 



Deposits, . ....... 


$1,137,382 07 




Profits, 


, 


, 


6,182 91 




Rent Account, . 


, , 


. , 


3,356 2b 




Suspense Account, 


. 


. , 


184 50 




Public Funds, . 


. 


, 




$101,800 00 


Bank Stock, 


■ • 


, , 




66,200 00 


Railroad Bonds, 


, 


, , 




36,000 00 


Real Estate, 1 


, . 


, 




94,142 32 


Loans on Real Estate, 


, , 




666,237 50 


on Personal Security, 


, , 




78,500 00 


to Counties, Cities and r . 


Cowns, 




44,977 42 


Furniture Account, . 


, # 




4,579 13 


Premium Account, . 


, t 




26,457 87 


Expense Account, 


» • • 




1,558 19 


Accrued Interest Account, 


, , 




12,447 60 


Cash on hand, . 


. 




14,205 70 








$1,147,105 73 


$1,147,105 73 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



5,528 
6 per cent. 

Three years. 
$18,455 00 
4,600 00 



80 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH SCITUATE SAVINGS BANK— SOUTH SCITUATE. 

[September 23.] 
Moses F. Rogers, President. _ Treasurer, Ebenezer T. Fogg. 



Deposits, . . . . 


$364,633 26 




Interest, . . . . 


4,812 00 




Public Funds, . . 




$10,850 00 


Bank Stock, 




51,700 00 


Loans on Real Estate, .... 




249,671 25 


on Personal Security, . 




46,375 00 


to Counties, Cities and Towns, 




7,432 00 


Cash on hand, . . . ... 




3,417 01 




|369,445 26 


$369,445 26 



Number of Depositors, 1,071 

Rate of ordinary dividends for the last year, . . • . . . 6 per cent. 

Last dividend of reserved profits, in 1870. 

Extra dividends are made once in . . . . . . . Five years. 

Largest amount invested in the stock of any one bank, . . . $6,500 00 

Annual expenses, '■■•'.' 800 00 



SOUTH WEYMOUTH SAYINGS BANK— SOUTH WEYMOUTH. 

[October 17.] 
Albert Tirrell, President. Treasurer, B. F. White. 



Deposits, . . 
Interest, .... 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
to Banks, on interest, 

Expense Account, . 



$251,333 73 
6,585 20 



$257,918 93 



$105,844 36 

113,994 66 

26,638 43 

11,117 28 

324 20 



$257,918 93 



Number of Depositors, 729 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in . . . . . . Three years. 

Largest amount invested in the stock of any one bank, . . . $12,910 25 

Annual expenses, 700 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



81 



SPRINGFIELD FIVE CENTS SAVINGS BANK— SPRINGFIELD. 

[June 3.] 
Joseph C. Pynchon, President. Treasurer, Daniel J. Marsh. 



Deposits, 


11,045,106 21 




Profits, .... 






30,624 58 




Public Funds, . 








|180,000 00 


Bank Stock, 








45,100 00 


Real Estate, . 








90,000 00 


Loans on Public Funds, . 








14,150 00 


on Bank Stock, 








28,800 00 


on Real Estate, 








688,000 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, ...... 




27,680 79 








$1,075,730 79 


$1,075,730 79 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, .....,,. 



4,884 
6 per cent. 

$10,000 00 
3,861 51 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[June 25.] 
James M. Thompson, President. Treasurer, Henry S. Lee. 



Deposits, 


$5,237,438 96 




Profits and Interest, . 








181,549 48 




Public Funds, . 










$776,635 00 


Bank Stock, 








• 


499,700 00 


Real Estate, 










99,874 61 


Loans on Public Funds, 










149,450 00 


on Bank Stock, 










144,450 00 


on Real Estate, 










3,136,900 00 


on Personal Security, 








83,200 00 


on Railroad Stock and Bonds, 




30,100 00 


to Counties, Cities and Towns, 




400,800 00 


to Banks, on interest, . 




27,024 59 


Cash on hand, ...... 




70,854 24 










$5,418,988 44 


$5,418,983 44 



Number of Depositors, 14,365 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $'36,700 00 

Annual expenses, 10,193 75 



11 



82 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SPENCER SAVINGS BANK— SPENCER. 

[June 19.] 
William Upham, President. Treasurer, Erastus Jones. 



Deposits, • . 


|50,036 02 




Interest, . . . »..■.■'-. 


989 84 




Bills Payable, 


689 31 




Bank Stock, 




$5,557 62 


Railroad Bonds, 




5,043 75 


Loans on Real Estate, . . . . 




24,540 00 


on Personal Security, . 




5,000 00 


to Counties, Cities and Towns, 




10,425 00 


Tax Account, 




282 18 


Expense Account, . 


. 


18 50 


Cash on hand, . . . 




848 12 




$51,715 17 


$51,715 17 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 



222 
6 per cent. 

$2,000 00 



STONEHAM FIVE CENTS SAVINGS BANK— STONEHAM. 

[November 8.] 
Benjamin F. Richardson, President. Treasurer, Onslow Gilmore. 



Deposits, ....... 


$264,946 09 




Profits, 








3,338 77 




Interest, . 








6,099 21 




Public Funds, . 










$14,500 00 


Bank Stock, . . 










12,000 00 


Railroad Stock, 










5,000 00 


Loans on Public Funds, 










950 00 


on Real Estate, 










193,933 25 


on Personal Security, 








19,600 00 


to Counties, Cities and Towns, 




25,000 00 


Cash on hand, 




3,400 82 










$274,384 07 


$274,384 07 



Number of Depositors, . . . . . . . . . 1,194 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1872. 

Extra dividends are made once in Two years. 

Largest amount invested in the stock of auy one bank, . . . $3,000 00 

Annual expenses, . 1,050 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



83 



STOCKBRIDGE SAYINGS BANK— STOCKBRIDGE. 

[July 16.] 

Marshall Warner, President. Treasurer, H. J. Dunham. 



Deposits, . 

Profits, . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, m . 

on Personal Security, 
Expense Account, . 
Cash on hand, . 




■ 


$43,537 65 
1,822 50 


$4,000 00 

9,400 00 

23,812 83 

7,377 99 

175 00 

594 33 








$45,360 15 


$45,360 15 



Number of Depositors, 199 

Bate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one hank, . . . $5,640 00 

Annual expenses, . .......... 79 75 



SUFFOLK SAVINGS BANK— BOSTON. 

[March 19.] 

Thomas Lamb, President. Treasurer, Charles Henry Parker. 



Deposits, 


$6,855,579 06 




Profits, 








663,119 44 




Public Funds, . 










$611,500 00 


Bank Stock, 










432,625 00 


Railroad Bonds, 










130,000 00 


Real Estate, 










203,035 75 


Loans on Bank Stock, 










17,500 00 


on Real Estate, 










2,397,676 10 


on Personal Secui'ity, 








3,433,000 00 


on Railroad Stock, 








150,000 00 


Furniture Account, . 








2,641 66 


Dividend Account, . 








46,800 55 


Expense Account, . 








9,886 82 


Cash on hand, . 








84,032 62 










$7,518,698 50 


$7,518,698 50 



Number of Depositors, 18,267 

Rate of ordinary dividends for the last year, 5 per cent. 

Last dividend of reserved profits, in 1868. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $62,400 00 

Annual expenses, 21,996 20 



84 



BANK COMMISSIONER'S REPORT. 



[Jan. 



William Lovering. President 



TAUNTON SAVINGS BANK— TAUNTON. 
[September 19.] 

Treasurer, Henry R. "Wood. 



Deposits, 


$1,352,095 54 




Profits, 


. . . 


6,808 55 




Interest and Discount, 


• a . 


33,604 99 




Public Funds, . 


• . 




|13,650 00 


Bank Stock, 


• . I 




66,897 12 


Railroad Bonds, 


■ . . 




30,000 00 


Real Estate, 


• . . 




55,591 86 


Loans on Public Funds, 


■ 




4,600 00 


on Bank Stock, 


• . • 




5,500 00 


On Real Estate, 


... 




750,586 54 


on Personal Security, . . . 




433,940 00 


to Counties, Cities and Towns, 




15,000 00 


Furniture Account, 




3,173 89 


Expense Account, 




754 84 


Cash on hand, 




12,814 83 






11,392,509 08 


11,392,509 08 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



3,827 
7 per cent. 

$27,200 00 
3,100 00 



TEMPLETON SAVINGS BANK— TEMPLETON. 

[May 15.] 
Edwin Sawyer, President. Treasurer, Otis D. Sawin. 



Loans on Real Estate, 

on Personal Security, . . 


$32,372 89 
87 11 


$25,160 00 
7,300 00 




$32,460 00 


$32,460 00 


Rate of ordinary dividends for the last year, 
No extra dividends. 




159 
6 per cent. 



1874.] 



PUBLIC DOCUMENT— No. 8. 



85 



UNION INSTITUTION FOR SAVINGS— BOSTON. 

[March 12.] 

John C. Crowley, President. George F. Emery, Treasurer. 



Deposits, . 


$3,525,824 37 




Interest, . 








121,039 18 




Rent Account, . 








6,767 85 




Public Funds, . 










$83,959 00 


Bank Stock, 










57,649 25 


Railroad Bonds, 










21,200 00 


Real Estate, 










299,800 00 


Loans on Bank Stock, 










100,000 00 


on Real Estate, 










2,714,487 77 


on Personal Security, 








321,028 96 


to Banks, on interest, . 








46,896 97 


Expense Account, . 








3,282 02 


Cash on hand, . 






5,327 43 










$3,653,631 40 


$3,653,631 40 



Number of Depositors, 9,787 

Rate of ordinary dividends for the last year, . . . . . 6 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $12,018 00 

Annual expenses, 7,500 00 



UNION SAVINGS BANK— FALL RIVER. 

[September 18.] 

Augustus Chace, President. Treasurer, D. A. Chapin 



Deposits, . . . " . . . 


$656,564 42 




Profits, . . . . . 




22,579 


33 




Public Funds, .... 








$10,000 00 


Bank Stock, . 








32,590 00 


Real Estate, .... 








38,186 87 


Loans on Real Estate, 








328.272 00 


on Personal Security, . 








259,782 00 


to Counties, Cities and Towns, 






5,000 00 


Cash on hand, 






5,312 88 






$679,143 


75 


$679,143 75 



Number of Depositors, 1,260 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $15,400 00 

Annual expenses, 1,500 00 



86 



BANK COMMISSIONER'S REPORT. 



[Jan. 



TJXBRIDGE SAVINGS BANK— UXBBIDGE. 

[August 7.J 
Moses Taft, President. Treasurer, C. A. Taft. 



Deposits, . 

Interest, .... 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



|165,173 40 
1,807 20 



$166,980 60 



$41,231 62 

104,530 43 

15,870 00 

150 00 

5,198 55 



$166,980 60 



Number of Depositors, . 772 

Rate of ordinary dividends for the last year, 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $7,814 00 

Annual expenses, . . .".'.*. \ 625 00 



WAKEFIELD SAVINGS BANK— WAKEFIELD. 

[October 1.] 
Cyrus Wakefield, President. Treasurer, M. S. South-worth. 



Deposits, .... 

Loans on Public Funds, . 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Accrued Interest Account, 

Expense Account, . 

Cash on hand, . . . 




$1,200 00 

3,181 25 

54,380 00 

16,970 00 

705 39 

7 75 

12,520 43 



,964 82 



Number of Depositors, . . . 681 

Bate of ordinary dividends for the last year, ....... 6 per cent. 

Last dividend of reserved profits, in 1873. 

Extra dividends are made once in Three years. 

Annual expenses, $600 00 



1874,] 



PUBLIC DOCUMENT— No. 8. 



87 



WALES SAVINGS BANK— WALES. 

[June 10.] 
Elijah Shaw, President. Treasurer, J. C. Burley. 



Deposits, . . . . . 


$29,500 


10 




Profits, . . 


339 


22 




Bank Stock, 






$11,634 00 


Loans on Public Funds, . . . . 






315 63 


on Real Estate, . . . • 






10,268 00 


on Personal Security, . 






4,345 75 


to Counties, Cities and Towns, 






500 00 


to Banks, on interest, . 






2,504 24 


Furniture Account, . . . 






240 00 


Cash on hand, ...... 






31 70 




$29,839 


32 


$29,839 32 



Number of Depositors, . . . . ... . .. 178 

Bate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $3,175 00 

Annual expenses, 50 00 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 31.] 

Horatio Moore, President. Treasurer, Jno. S. Williams. 



Deposits, . 




$1,205,099 86 




Profits, 


. . . 


3,500 00 




Interest, . 


.... 


4,000 24 




Bank Stock, 


.... 




$93,700 00 


Railroad Bonds, 


.... 




16,000 00 


Loans on Real Estate, 


.... 




801,463 00 


on Personal Security, 




• 169,240 00 


to Counties, Cities and Towns, 




118,100 00 


Premium Account, . 


.... 




1,635 21 


Expense Account, . 


. 




500 00 


Cash on hand, . 






11,961 89 




$1,212,600 10 


$1,212,600 10 



Number of Depositors, ' . . 4,226 

Bate of ordinary dividends for the last year, . ... . . 6 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $22,875 00 

Annual expenses, 2,000 00 



88 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WARE SAVINGS BANK— WARE. 
[June 11.] 



William Hyde, President. 



Treasurer, Otis Lane. 



Deposits, . 

Profits, 

Interest, . 

Public Funds, 

Bank Stock, 

Railroad Bonds, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, . 

to Counties, Cities and Towns, 
Premium Account, .... 
Expense Account, .... 

Tax Account, 

Cash on hand, . . . • . 



.,461,039 54 

3,323 62 

14,713 86 



.,479,077 02 



$315,000 00 

246,800 00 

90,000 00 

3,300 00 

12,800 00 

299,442 72 

280,185 00 

215,380 00 

6,236 27 

1,426 

5,393 

3,113 



39 
47 
17 



,479,077 02 



Number of Depositors, . 3,790 

Rate of ordinary dividends for the last year, . . . . . 6 per eent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $3,400 00 

Annual expenses, 4,000 00 



Jesse Murdock, President. 



WAREHAM SAVINGS BANK— WAREHAM. 

[August 15.] 

Treasurer, Thomas R. Miles. 



Deposits, 


|544,678 


10 




Interest, 


14,557 


12 




Bank Stock, ...... 






$196,231 59 


Railroad Bonds, ... 






14,910 05 


Loans on Bank Stock, . . . 






11,350 00 


on Real Estate, .... 






178,817 75 


on Personal Security, . 






120,027 63 


on Railroad Stock, 






9,000 00 


to Counties, Cities and Towns, 






5,000 00 


Tax Account, 






1,909 48 


Expense Account, . 






349 69 


Cash on hand, 






21,639 03 




$559,235 


22 


$559,235 22 



Number of Depositors, 1,755 

Rate of ordinary dividends for the last year, ..... 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $25,734 50 

Annual expenses, 1,401 56 



1874.] 



PUBLIC DOCUMENT— No. 8. 



89 



WARREN FIVE CENTS SAVINGS BANK— PEABODY. 

[November 6.] 
George Osborn, President. Treasurer, Albert H. Merrill. 



Deposits, ....... 


$896,831 02 




Profit and Loss Account, 




41,379 22 




Reserve Fund, .... 




2,079 00 




Public Funds, .... 






$40,000 00 


Bank Stock, . ... 






84,007 75 


Railroad Bonds, 






15,000 00 


Loans on Real Estate, 






631,090 00 


on Personal Security, H 






11,500 00 


to Counties, Cities and Towns, 




145,962 50 


Cash on hand, 




12,668 99 






$940,289 24 


$940,289 24 



Number of Depositors, . . 2,961 

Rate of ordinary dividends for the last year, . . . . . 6£ per cent. 
No extra dividends. . 

Largest amount invested in the stock of any one bank, . . . $ 16,500 00 

Annual expenses, 2,000 00 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[August 5.] 
James Adams, President. Treasurer, George F. Tufts. 



Deposits, . . . . . 


$3,224,384 47 




Profit and Loss, 




. . . 


62,995 32 




Interest, . 




... 


120,663 49 




Rent Account, . 




... 


2,446 42 




Guarantee Fund, 




... 


22,116 59 




Bills Payable, . 




. . . 


1,400 60 




Public Funds, . 




. . . 




$290,345 89 


Bank Stock, 




. . . 




111,577 50 


Railroad Bonds, 




... 




50,000 00 


Real Estate, 




... 




50,000 00 


Loans on Real Estate, 


... 




2,350,805 05 


on Personal Estate, 




426,200 00 


to Counties, Cities and Towns, 




38,425 00 


Accrued Interest Account, 




46,278 25 


Expense Account, .... 




4,365 36 


Cash on hand, 




66,009 84 








$3,434,006 89 


$3,434,006 89 



Number of Depositors, 9,975 

Rate of ordinary dividends for the last year, 6£ per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $20,495 00 

Annual expenses, 8,253 59 

12 



90 



BANK COMMISSIONERS REPOET. 



[Jan. 



WATERTOWN SAVINGS BANK— WATERTOWN. 

[December 10.] 
Charles J. Barry, President. Treasurer, John K. Stickney. 



Deposits, 


$72,159 


73 




Interest, . . . .. 


494 81 




Bills Payable, . . . 


4,500 00 




Bank Stock, 






$5,100 00 


Loans on Real Estate, .... 






54,200 00 


on Personal Security. . 






4,600 00 


to Counties, Cities and Towns, 






9,800 00 


Furniture Account, 






1,180 00 


Expense Account, 






1 75 


Cash on hand, 






2,272 79 




$77,154 


54 


$77,154 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 



351 

6 per cent. 

$2,100 00 



WEBSTER FIVE CENTS SAYINGS BANK— WEBSTER. 

[October 24.] 
Henry H. Stevens. President. Treasurer, Edwin May. 



Deposits, 


$242,787 


18 




Interest, 


84 


61 




Bank Stock, . . . . . 






$24,500 00 


Loans on Real Estate, .... 






154,600 00 


on Personal Estate, . . 






27,920 62 


to Counties, Cities and Towns, 






23,000 00 


to Banks, on interest, . 






1,056 43 


Furniture Account, . ... 






596 58 


Expense Account, 






224 24 


Premium Account, . . 






7,555 50 


Cash on hand, . . ... . . 






3,418 42 




$242,871 


79 


$242,871 79 



Number of Depositors, - 

Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



1,554 
6 per cent. 

$8,000 00 
900 00 



1874.] 



PUBLIC DOCUMENT— No. 8. 



91 



"WELLFLEET SAVINGS BANK— WELLFLEET. 

[August 13.] 

Treasurer, Thomas Kemp. 



Richard R. Freeman, President 



Deposits, .... . 


$304,611 


20 




Interest, ..... 




991 


48 




Suspense Account, . 




9 


00 




Bank Stock, . . . 








$163,243 79 


Railroad Bonds, 








14,902 61 


Loans on Bank Stock, 








200 00 


on Real Estate, 








24,475 00 


on Personal Security, . 








80,742 00 


to Counties, Cities and Towns, 






17,875 00 


Cash on hand, 






4,173 28 






$305,611 


68 


$305,611 68 



Number of Depositors, . . 916 

Rate of ordinary dividends for the last year, 7 per cent. 

No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $18,944 87 

Average annual expenses, . . . 650 00 



WESTBOROUGH SAVINGS BANK— WESTBOROUGH. 

[May 20.] 



Cyrus Fay, President. 



Treasurer, George O. Brigham. 



Deposits, .... 
Interest, .... 
Bank Stock, 
Railroad Bonds, 
Loans on Real Estate, 

on Personal Security, 
Expense Account, . 
Cash on hand, . 



$172,872 96 
2,146 09 



$175,019 05 



$27,700 00 

6,059 25 

109,105 00 

30,300 00 

4 00 

1,850 80 



$175,019 05 



Rate of ordinary dividends for the last year, 

No extra dividends. 

Largest amount invested in the stock of any one bank, 

Annual expenses, 



6£ per cent. 



$9,000 00 
437 00 



92 



BANK COMMISSIONER'S EEPOET. 



[Jan. 



WEST BOSTON SAVINGS BANK— BOSTON. 

[March 21.] 
Franklin Haven, President. Treasurer, James H. Wilder. 



Deposits, . . . . . . 


$2,646,027 09 




Profits, .... 






1,854 88 




Interest, 






44,566 37 




Bank Stock, 








$430,074 37 


Loans on Public Funds, . 








10,600 00 


on Real Estate, 








1,799,733 79 


on Personal Security, 








373,950 00 


on Railroad Stock, 








6,650 00 


to Banks, on interest, 








8,000 00 


Accrued Interest Account, 








5,382 44 


Expense Account, . 








3,747 50 


Tax Account, .... 








9,404 15 


Cash on hand, . . . . 








44,906 09 








$2,692,448 34 


$2,692,448 34 



Number of Depositors, 7,497 

Bate of ordinary dividends for the last year, . . . . . 7 per cent. 
No extra dividends. 

Largest amount invested in the stock of any one bank, . . . $30,000 00 

Annual expenses, 6,000 00 



WESTFIELD SAVINGS BANK— WESTFIELD. 

[July 11.] 
William G. Bates, President. Treasurer, V. W. Crowson. 



Deposits, 


$666,695 21 




Profits, 


. . . 


1,384 68 




Interest, . 


... 


12,904 36 




Public Funds, . 


. . . 




$131,000 00 


Bank Stock, 


. . . 




23,500 00 


Railroad Bonds, 


. • • 




33,000 00 


Loans on Public Funds, 


■ . . . 




4,690 42 


on Bank Stock, 


■ . . 




7,400 00 


on Real Estate, 


. . . 




264,713 64 


on Personal Security, . 




131,534 27 


to Counties, Cities and Towns, 




53,000 00 


Premium Account, 




5,035 00 


Cash on hand, . . . . . . 




27,110 92 






$680,984 25 


$680,984 25 



Number of Depositors, 2,359 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1868. 

Largest amount invested in the stock of any one bank, . . . $20,300 00 

Annual expenses, 1,193 33 



1874.] 



PUBLIC DOCUMENT— No. 8. 



93 



WEYMOUTH SAVINGS BANK— WEYMOUTH. 

[August 8.] 
John W. Loud, President. Treasurer, Amos S. White. 



Deposits, 


$754,819 35 




Profits, 




17,105 41 




Public Funds, . 






|20,200 00 


Bank Stock, .... 






69,200 00 


Railroad Bonds, 






10,000 00 


Loans on Real Estate, 






471,655 00 


on Personal Security, . 






189,494 00 


to Counties, Cities and Towns, 




1,000 00 


Cash on hand, . . 




10,375 76 






$771,924 76 


$771,924 76 



Number of Depositors, 2,361 

Rate of ordinary dividends for the last year, . . . . 6 per cent. 
Last dividend of reserved profits, in 1869. 

Extra dividends made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $39,000 00 

Annual expenses, 1,200 00 



WINCHENDON SAVINGS BANK— WINCHENDON. 

[June6.J 

J. H. Faiebank, President. Treasurer, C. L. Beals. 



Deposits, 


$469,559 48 




Interest, . .... 


13,501 36 




Public Funds, 




$12,000 00 


Bank Stock, . . 




72,800 00 


Railroad Bonds, 




969 90 


Loans on Real Estate, .... 




167,956 96 


on Personal Security, . 




141,676 01 


to Counties, Cities and Towns, 




70,039 45 


to Banks, on interest, . 




4,465 39 


Furniture Account, . 




1,200 00 


Expense Account, ..... 




1,766 12 


Premium Account, . 




6,073 12 


Cash on hand, . . • 




4,113 89 




$483,060 84 


$483,060 84 



Number of Depositors, 1,842 

Rate of ordinary dividends for the last year, 6 per cent. 

Last dividend of reserved profits, in 1869. 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . $23,800 CO 

Annual expenses, 867 06 



94 



BANK COMMISSIONER'S KEPORT. 



[Jan. 



WINCHESTER SAVINGS BANK— WINCHESTER. 

[December 5.] 

D. N. Shillings, President. Treasurer, John T. Manny. 



Deposits, . . . 
Profits, .... 
Loans on Real Estate, 

on Personal Security, 
Furniture Account, . 
Expense Account, . 
Cash on hand, . 



|56,948 90 
1,981 79 



$58,930 69 



$37,320 00 

20,630 21 

239 90 

7 00 

733 58 



$58,930 69 



Number of Depositors, . . 341 

Rate of ordinary dividends for the last year, 6 per cent. 

Extra dividends are made once in ........ . Three years. 

Annual expenses, $100 00 



WOBURN FIVE CENTS SAVINGS BANK— WOBURN. 

[December 19.] 
Stephen Dow, President. Treasurer, James N. Dow. 



Deposits, . . . ... 


$416,799 79 




Interest, .... 






14,167 93 




Public Funds, . 








$3,000 00 


Bank Stock, 








117,657 00 


Loans on Public Funds, . 








17,500 00 


on Real Estate, 








202,736 16 


on Personal Security, 








82,840 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, 




5,234 56 








$430,967 72 


$430,967 72 



Number of Depositors, 2,319 

Rate of ordinary dividends for the last year, 7 per cent. 

Last dividend of reserved profits, in 1873. 

Largest amoun